Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 13.0. A current level of 5.0 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Consumer loans (69%), other (31%)
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
10 Pearl Street
Stoughton, MA 02072
Stoughton, MA 02072
Phone Number
(781) 344-7394
NCUA Charter Number
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