Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 22.4 percent and a “hot money” ratio of 18.8 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (5%), other (95%)
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
250 Ninth Avenue
New York, NY 10001
New York, NY 10001
Phone Number
(212) 765-1517
NCUA Charter Number
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY