Development
Major Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (8.4). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Excellent (7.4) profitability.
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 (6.7 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.7.
Asset Mix:
Home mtgs (46%), consumer loans (13%), other (41%)
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
971 Corporate Boulevard
Linthicum, MD 21090
Linthicum, MD 21090
Phone Number
(410) 487-7300
NCUA Charter Number
Website
Largest Competitors
Upper Marlboro, MD
Laurel, MD
Suitland, MD
Edgewood, MD
Rockville, MD