Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (8.1) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 10.9.
Asset Mix:
Securities (27%), home mtgs (15%), consumer loans (10%), other (48%)
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
15201 Diamondback Drive
Rockville, MD 20850
Rockville, MD 20850
Phone Number
(240) 314-0734
NCUA Charter Number
Website
Largest Competitors
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Rockville, MD