Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.1 and a net worth ratio of 20.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Good liquidity 5.6, driven by a liquidity ratio of 45.5 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Home mtgs (35%), consumer loans (10%), securities (4%), comm loans (2%), other (49%)
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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