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 (3.7 on a scale of 0 to 10). A current level of 31.2 percent of nonperforming loans to core capital combined with 40.7 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.0. Very Weak liquidity 0.5, driven by a liquidity ratio of 13.8 percent and a “hot money” ratio of 21.5 percent.
Asset Mix:
Comm re (41%), home mtgs (18%), cash (7%), securities (6%), comm loans (4%), consumer loans (2%), other (21%)
States with Branches:
NY
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
Group Affiliation
Carver Bancorp, Inc.
Investment Rating
Address
75 West 125th Street
New York, NY 10027
New York, NY 10027
Phone Number
(212) 360-8805
Year Founded
1948
FDIC Number
Website
Largest Affiliates
No affiliate information available.