Major Rating Factors:
A current level of 39.4 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 38.5 percent and a “hot money” ratio of 15.1 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.4) profitability.
Asset Mix:
Home mtgs (43%), securities (25%), consumer loans (5%), other (27%)
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
15201 Diamondback Drive
Rockville, MD 20850
Rockville, MD 20850
Phone Number
(240) 314-0734
NCUA Charter Number
Website
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