Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Very Weak current capitalization (0.4 on a scale of 0 to 10) based on a net capital to total assets of 3.7 and a net worth ratio of 3.7.
Other Rating Factors:
Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Fair (4.8) profitability. A current level of 7.6 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (24%), consumer loans (8%), other (68%)
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
429 Broadway
Brooklyn, NY 11211
Brooklyn, NY 11211
Phone Number
(718) 388-0729
NCUA Charter Number
Largest Competitors
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY
Brooklyn, NY