Major 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 (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent liquidity 8.0, driven by a liquidity ratio of 69.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (20%), other (80%)
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
2530 North Salisbury Boulevard
Salisbury, MD 21801
Salisbury, MD 21801
Phone Number
(410) 860-6290
NCUA Charter Number
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Salisbury, MD