Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3.
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (18%), consumer loans (18%), securities (17%), other (47%)
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
752 Main Street
Tewksbury, MA 01876
Tewksbury, MA 01876
Phone Number
(978) 851-9750
NCUA Charter Number
Website
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