All One Credit Union
Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Weak (2.6) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (18%), comm loans (7%), other (48%)
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
20 Adams Street
Leominster, MA 01453
Leominster, MA 01453
Phone Number
(978) 537-8021
NCUA Charter Number
Website
Largest Competitors
Rockland, MA
Chelsea, MA
Littleton, MA
Lawrence, MA
Leominster, MA