Major Rating Factors:
A current level of 20.7 percent of nonperforming loans to core capital combined with 17.1 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.0 and a net worth ratio of 18.0. Excellent liquidity 7.2, driven by a liquidity ratio of 75.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (30%), home mtgs (6%), other (64%)
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
278 Old Sudbury Road
Sudbury, MA 01776
Sudbury, MA 01776
Phone Number
(978) 443-6973
NCUA Charter Number
Website
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