Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 8.2. 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).
Other Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.3). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (6.6) profitability.
Asset Mix:
Home mtgs (35%), consumer loans (19%), other (46%)
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
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