Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 13.5. A current level of 2.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Home mtgs (49%), consumer loans (3%), other (48%)
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
46 Main Street
Chicopee, MA 01020
Chicopee, MA 01020
Phone Number
(413) 592-9495
NCUA Charter Number
Website
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