Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.6 and a net worth ratio of 19.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (5.2). Fair liquidity 3.3, driven by a liquidity ratio of 24.6 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Consumer loans (64%), home mtgs (6%), other (30%)
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
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