Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 13.1 percent of nonperforming loans to core capital combined with 17.7 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 7.5 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (46%), home mtgs (13%), other (42%)
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
14501 Sweitzer Lane
Laurel, MD 20707
Laurel, MD 20707
Phone Number
(240) 459-8005
NCUA Charter Number
Website
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