Major Rating Factors:
Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 8.3 percent and a “hot money” ratio of 16.6 percent.
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
87 Hale St
Lowell, MA 01851
Lowell, MA 01851
Phone Number
(800) 942-9575
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Lowell, MA
Lowell, MA
Lowell, MA