Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 11.1. A current level of 7.5 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Home mtgs (34%), consumer loans (33%), other (33%)
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
7905 Malcolm Road
Clinton, MD 20735
Clinton, MD 20735
Phone Number
(301) 856-5000
NCUA Charter Number
Website
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