Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 0.0. A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4).
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 (7.3 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 44.9 percent and a “hot money” ratio of 15.4 percent.
Asset Mix:
Consumer loans (37%), home mtgs (16%), 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
18 Union Street
Norfolk, MA 02056
Norfolk, MA 02056
Phone Number
(508) 528-3360
NCUA Charter Number
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