Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
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 (5.9 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 31.5 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Securities (30%), home mtgs (15%), consumer loans (15%), comm loans (1%), other (40%)
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
716 Maiden Choice Lane
Baltimore, MD 21228
Baltimore, MD 21228
Phone Number
(855) 597-5766
NCUA Charter Number
Website
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Baltimore, MD
Baltimore, MD
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Baltimore, MD