Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 39.1 and a net worth ratio of 39.3. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 99.3 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (31%), other (69%)
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
448 West 152nd Street
New York, NY 10031
New York, NY 10031
Phone Number
(212) 234-4121
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY