UniBank for Savings
Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.5). Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 8.5.
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 (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (23%), securities (17%), comm re (15%), cash (11%), home eq lns (2%), comm loans (2%), other (4%)
States with Branches:
MA
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
UFS Bancorp
Investment Rating
--
Address
49 Church Street
Whitinsville, MA 01588
Whitinsville, MA 01588
Phone Number
(508) 234-8112
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.