Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 11.2.
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 (6.8 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 6.0 percent.
Asset Mix:
Consumer loans (24%), home mtgs (23%), securities (3%), other (50%)
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
1501 South Clinton Street
Baltimore, MD 21224
Baltimore, MD 21224
Phone Number
(410) 534-4500
NCUA Charter Number
Website
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Baltimore, MD
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