Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 8.9. Weak liquidity 2.9, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Home mtgs (33%), securities (19%), consumer loans (16%), other (31%)
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
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