Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.4 and a net worth ratio of 19.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 0.6 has resulted in Good (5.5) profitability. A current level of 10.8 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Consumer loans (67%), home mtgs (6%), other (27%)
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
8871 Gorman Road
Laurel, MD 20723
Laurel, MD 20723
Phone Number
(301) 586-3400
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Laurel, MD
Laurel, MD