Major Rating Factors:
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).
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 6.9 percent and a “hot money” ratio of 0.0 percent. A current level of 6.3 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (49%), home mtgs (1%), other (50%)
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
Three Fletcher Avenue
Lexington, MA 02420
Lexington, MA 02420
Phone Number
(781) 862-9011
NCUA Charter Number
Website
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