Major Rating Factors:
Weak current capitalization (2.3 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 9.0.
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 4.4 percent and a “hot money” ratio of 30.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (17%), other (58%)
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
120 Motor Parkway
Hauppauge, NY 11788
Hauppauge, NY 11788
Phone Number
(631) 851-1100
NCUA Charter Number
Website
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