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 (3.1 on a scale of 0 to 10). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
Other Rating Factors:
Excellent liquidity 7.7, driven by a liquidity ratio of 53.9 percent and a “hot money” ratio of 0.0 percent. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Asset Mix:
Consumer loans (12%), other (88%)
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
132 Odell Clark Place
New York, NY 10030
New York, NY 10030
Phone Number
(212) 862-5959
NCUA Charter Number
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY