Town of Hempstead Employees Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 27.5 percent from a year earlier contributes to the Good asset quality (6.7). Good liquidity 5.0, driven by a liquidity ratio of 47.3 percent and a “hot money” ratio of 9.6 percent.
Asset Mix:
Securities (41%), home mtgs (14%), consumer loans (8%), other (37%)
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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