Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (9.5) profitability. A current level of 10.4 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), consumer loans (27%), securities (2%), other (44%)
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
22 Cortlandt Street
New York, NY 10007
New York, NY 10007
Phone Number
(212) 238-3300
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY