American Hammered Federal Credit Union

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1.00% APY

Overview / Commentary

www.americanhammeredfcu.com

410-547-7681

1600 Wicomico St
Baltimore, MD 21230

American Hammered Federal Credit Union is headquartered in Baltimore and is the 75^th largest credit union in the state of Maryland. It is also the 4,946^th largest credit union in the nation. It was established in 1948 and as of June of 2016, it had grown to 2 employees and 804 members at 1 location. American Hammered Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in American Hammered Federal Credit Union is open to employees of Crawford, Selvin & Hicks, Inc., Dovco Fabricators, Inc., Depsco Services, Inc., Environmental Elements Corp., Lurgi-Lentjes North America. Inc., Kaydon Ring & Seal, Inc., Kop-Flex, Inc., Napoli Cover, Inc., Valspar Paint, Inc., Southern Galvanizing, Teco Industries, Harley Davidson of MD and Alternative Care Nursing.
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Health

C+

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. American Hammered Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	5661
Year Chartered	1948
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.7%
Return on Equity - YTD	-5.05%
Annual Interest Income	$59.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$4.8MM$5.1MM
Loans	Q2 2016vs Q2 2015	$1.2MM$1.2MM
Deposits	Q2 2016vs Q2 2015	$4.1MM$4.4MM
Equity Capital	Q2 2016vs Q2 2015	$673.00K$722.00K
Loan Loss Allowance	Q2 2016vs Q2 2015	$20.00K$30.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$0$36.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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Savings

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American Hammered Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.32%	-	-	IRA Savings Account
0.03%	-	-	Regular Share Savings Account
0.03%	-	-	Sub. Share Account
0.03%	-	-	Christmas Club
0.03%	-	-	Vacation Club

Locations

American Hammered Federal Credit Union Locations
Branch Office	1600 Wicomico St	Baltimore, MD 21230