Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 0.0. A current level of 3.4 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (6.5 on a scale of 0 to 10). Good liquidity 5.0, driven by a liquidity ratio of 37.7 percent and a “hot money” ratio of 34.0 percent.
Asset Mix:
Home mtgs (28%), consumer loans (11%), securities (8%), other (53%)
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
600 Atlantic Avenue
Boston, MA 02210
Boston, MA 02210
Phone Number
(617) 973-9500
NCUA Charter Number
Website
Largest Competitors
Boston, MA
Boston, MA
Boston, MA
Boston, MA
Boston, MA