Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10). Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.3.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 27.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (50%), securities (28%), home mtgs (2%), other (20%)
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
4371 Parliament Place
Lanham, MD 20706
Lanham, MD 20706
Phone Number
(301) 306-0610
NCUA Charter Number
Website
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