Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. A current level of 7.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (22%), home mtgs (17%), other (61%)
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
83 Merrimack Street
Lowell, MA 01852
Lowell, MA 01852
Phone Number
(978) 328-5100
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Lowell, MA
Lowell, MA
Lowell, MA