Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 6.7%, coupled with a return on assets of 6.6 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 38.4 percent and a “hot money” ratio of 0.0 percent. A current level of 2.9 percent of nonperforming loans to core capital combined with 17.5 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Securities (22%), consumer loans (6%), other (73%)
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
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Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY