Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 49.2 and a net worth ratio of 0.0. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 110.8 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (16%), other (84%)
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
81 Morningside Avenue
New York, NY 10027
New York, NY 10027
Phone Number
(212) 666-3367
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY