Mid-Atlantic Federal Credit Union
Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.8). Operating profits as a percentage of assets at 4.2%, coupled with a return on assets of 3.9 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (41%), consumer loans (7%), other (52%)
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
12820 Wisteria Drive
Germantown, MD 20874
Germantown, MD 20874
Phone Number
(301) 944-1800
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Suitland, MD
Germantown, MD