Town of Hempstead Employees Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 6.9. A current level of 27.5 percent of nonperforming loans to core capital combined with 33.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 11.8 percent and a “hot money” ratio of 6.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Asset Mix:
Securities (41%), home mtgs (15%), consumer loans (9%), other (35%)
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
1830 Grand Avenue
North Baldwin, NY 11510
North Baldwin, NY 11510
Phone Number
(516) 867-4730
NCUA Charter Number
Website
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