Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.6. A current level of 11.7 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (6.4).
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 (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 3.2 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (20%), other (57%)
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
7135 Windsor Boulevard
Baltimore, MD 21244
Baltimore, MD 21244
Phone Number
(410) 281-6200
NCUA Charter Number
Website
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Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD