Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.5.
Other Rating Factors:
Excellent liquidity 7.6, driven by a liquidity ratio of 50.4 percent and a “hot money” ratio of 0.6 percent. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.9) profitability.
Asset Mix:
Home mtgs (12%), consumer loans (11%), other (77%)
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
112 Centerway Road
Greenbelt, MD 20770
Greenbelt, MD 20770
Phone Number
(301) 474-5900
NCUA Charter Number
Website
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