Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Weak liquidity 2.1, driven by a liquidity ratio of 10.7 percent and a “hot money” ratio of 20.7 percent.
Asset Mix:
Home mtgs (41%), consumer loans (19%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
5711 Allentown Road
Suitland, MD 20746
Suitland, MD 20746
Phone Number
(301) 702-5500
NCUA Charter Number
Website
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