Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.4 and a net worth ratio of 19.4. A current level of 6.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Asset Mix:
Securities (68%), consumer loans (10%), 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
1030 South Dukeland Street
Baltimore, MD 21223
Baltimore, MD 21223
Phone Number
(410) 566-5700
NCUA Charter Number
Largest Competitors
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD