Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 13.8. A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
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 (5.4 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Consumer loans (24%), home mtgs (13%), securities (2%), other (61%)
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
8767 Satyr Hill Road
Baltimore, MD 21234
Baltimore, MD 21234
Phone Number
(410) 663-2500
NCUA Charter Number
Website
Largest Competitors
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD