Homefield Credit Union
Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (42%), consumer loans (17%), other (41%)
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
86 Worcester Street
North Grafton, MA 01536
North Grafton, MA 01536
Phone Number
(508) 839-5493
NCUA Charter Number
Website
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