Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.8 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 6.6. Fair liquidity 4.3, driven by a liquidity ratio of 37.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (42%), consumer loans (31%), home mtgs (3%), other (23%)
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
Largest Competitors
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