Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (6.7). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 11.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 16.8 percent and a “hot money” ratio of 12.2 percent.
Asset Mix:
Home mtgs (33%), consumer loans (18%), other (50%)
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
5210 Chairmans Court
Frederick, MD 21703
Frederick, MD 21703
Phone Number
(240) 436-4000
NCUA Charter Number
Website
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