Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.4. A current level of 4.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix:
Home mtgs (44%), consumer loans (14%), comm loans (4%), other (38%)
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
50 Cabot Street
Needham, MA 02494
Needham, MA 02494
Phone Number
(781) 433-2900
NCUA Charter Number
Website
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