Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0. A current level of 9.7 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Good asset quality (6.5).
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 (6.2 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 24.1 percent and a “hot money” ratio of 9.1 percent.
Asset Mix:
Home mtgs (24%), consumer loans (18%), other (59%)
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