Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.8 and a net worth ratio of 19.8. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5).
Other 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 (9.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (8.7) profitability.
Asset Mix:
Home mtgs (35%), consumer loans (12%), securities (4%), comm loans (2%), other (46%)
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
200 Mill Road
Fairhaven, MA 02719
Fairhaven, MA 02719
Phone Number
(800) 642-7515
NCUA Charter Number
Website
Largest Competitors
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