Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.9 and a net worth ratio of 18.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). Good liquidity 5.1, driven by a liquidity ratio of 42.1 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (45%), home mtgs (7%), comm loans (4%), other (44%)
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
Upper Marlboro, MD
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Laurel, MD
Laurel, MD