Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 45.1 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent liquidity 7.3, driven by a liquidity ratio of 114.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (34%), other (66%)
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