Major Rating Factors:
Operating profits as a percentage of assets at 31.0%, coupled with a return on assets of 31.0 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 7.4, driven by a liquidity ratio of 43.8 percent and a “hot money” ratio of 0.0 percent. A current level of 4.8 percent of nonperforming loans to core capital combined with 49.6 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Securities (21%), consumer loans (8%), home mtgs (2%), other (70%)
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
833 Marcy Avenue
Brooklyn, NY 11216
Brooklyn, NY 11216
Phone Number
(718) 622-0623
NCUA Charter Number
Website
Largest Competitors
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY