Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.1 and a net worth ratio of 17.2. A current level of 10.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 20.0 percent and a “hot money” ratio of 11.9 percent.
Asset Mix:
Home mtgs (23%), consumer loans (14%), comm loans (0%), other (62%)
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
620 Eighth Avenue
New York, NY 10018
New York, NY 10018
Phone Number
(212) 354-0351
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY