Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 12.3 percent and a “hot money” ratio of 7.4 percent. Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (29%), home mtgs (26%), other (45%)
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
23 West Susquehanna Avenue
Towson, MD 21204
Towson, MD 21204
Phone Number
(410) 828-4730
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Suitland, MD