Major Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 10.5.
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 6.7 percent and a “hot money” ratio of 14.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (30%), consumer loans (8%), other (62%)
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
40 Market Street
Lowell, MA 01852
Lowell, MA 01852
Phone Number
(800) 942-9575
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Lowell, MA
Lowell, MA
Lowell, MA