Major 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 (5.3 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (6.5) profitability. A current level of 17.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Home mtgs (29%), consumer loans (6%), other (65%)
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
2500 Westchester Avenue
Purchase, NY 10577
Purchase, NY 10577
Phone Number
(914) 641-3700
NCUA Charter Number
Website
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