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 (4.3 on a scale of 0 to 10). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 8.3.
Other Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Good (5.4) profitability.
Asset Mix:
Home mtgs (34%), consumer loans (12%), comm loans (1%), other (53%)
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
411 Theodore Fremd Avenue
Rye, NY 10580
Rye, NY 10580
Phone Number
(914) 921-0500
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
Rochester, NY
Albany, NY