Major Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Fair (3.6) profitability.
Asset Mix:
Home mtgs (31%), comm loans (20%), consumer loans (17%), other (32%)
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
Largest Competitors
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD
Baltimore, MD