Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 10.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (40%), home mtgs (25%), securities (1%), other (34%)
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
Maryland Trade Center One
Greenbelt, MD 20770
Greenbelt, MD 20770
Phone Number
(301) 779-8500
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Greenbelt, MD
Greenbelt, MD