Mass Bay Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (43%), consumer loans (13%), other (45%)
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
147 West Fourth Street
South Boston, MA 02127
South Boston, MA 02127
Phone Number
(617) 269-2700
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Rockland, MA
Chelsea, MA
South Boston, MA
South Boston, MA