SkyPoint Federal Credit Union
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 (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Good (5.2) profitability.
Other Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 11.8.
Asset Mix:
Consumer loans (31%), home mtgs (30%), other (39%)
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
19785 Crystal Rock Drive
Germantown, MD 20874
Germantown, MD 20874
Phone Number
(301) 279-1964
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Edgewood, MD
Germantown, MD