Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 0.0. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (8.6) profitability. Excellent liquidity 7.5, driven by a liquidity ratio of 37.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (12%), home mtgs (3%), other (85%)
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
138 South Main Street
Attleboro, MA 02703
Attleboro, MA 02703
Phone Number
(508) 226-0140
NCUA Charter Number
Website
Largest Competitors
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