Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3.
Other Rating Factors:
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). Fair liquidity 4.2, driven by a liquidity ratio of 31.7 percent and a “hot money” ratio of 10.4 percent.
Asset Mix:
Home mtgs (34%), consumer loans (14%), securities (5%), comm loans (2%), 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
30 North Hickory Avenue
Bel Air, MD 21014
Bel Air, MD 21014
Phone Number
(410) 838-9090
NCUA Charter Number
Website
Largest Competitors
Upper Marlboro, MD
Linthicum, MD
Laurel, MD
Edgewood, MD
Bel Air, MD