Major Rating Factors:
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). A current level of 78.3 percent of nonperforming loans to core capital combined with 19.3 percent from a year earlier contributes to the Fair asset quality (3.5).
Asset Mix:
Securities (33%), consumer loans (12%), home mtgs (1%), other (54%)
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
20 Felton Street
Cambridge, MA 02138
Cambridge, MA 02138
Phone Number
(617) 492-3212
NCUA Charter Number
Largest Competitors
Marlborough, MA
Chelsea, MA
Cambridge, MA
Cambridge, MA
Cambridge, MA