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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 13.3 percent and a “hot money” ratio of 0.0 percent. A current level of 2.9 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Excellent asset quality (9.7).
Asset Mix:
Securities (56%), consumer loans (28%), other (15%)
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
202 Bussey Street
Dedham, MA 02026
Dedham, MA 02026
Phone Number
(781) 326-8068
NCUA Charter Number
Website
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