Health Alliance Federal Credit Union
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). A current level of 10.3 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.8. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (8.0) profitability.
Asset Mix:
Consumer loans (68%), other (32%)
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
230 Highland Avenue
Somerville, MA 02143
Somerville, MA 02143
Phone Number
(617) 591-6710
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Somerville, MA
Somerville, MA
Somerville, MA
Somerville, MA