Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.9 and a net worth ratio of 13.9. A current level of 15.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (33%), consumer loans (5%), other (63%)
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
Largest Competitors
Upper Marlboro, MD
Linthicum, MD
Rockville, MD
Rockville, MD
Rockville, MD