Major Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.3.
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 (5.1 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Consumer loans (24%), securities (23%), home mtgs (12%), other (41%)
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
125 Wireless Boulevard
Hauppauge, NY 11788
Hauppauge, NY 11788
Phone Number
(631) 434-3500
NCUA Charter Number
Website
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