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 (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 36.7 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (60%), 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
17615 Old Baltimore Road
Olney, MD 20832
Olney, MD 20832
Phone Number
(301) 774-8191
NCUA Charter Number
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