Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.5 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 a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (5.1). Fair liquidity 4.5, driven by a liquidity ratio of 35.0 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Consumer loans (55%), home mtgs (7%), other (38%)
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
8871 Gorman Road
Laurel, MD 20723
Laurel, MD 20723
Phone Number
(301) 586-3400
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Laurel, MD
Laurel, MD