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 (4.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 40.4 percent and a “hot money” ratio of 14.4 percent. Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (55%), other (45%)
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
55 West Street
Keene, NH 03431
Keene, NH 03431
Phone Number
(603) 358-1302
NCUA Charter Number
Website
Largest Competitors
Portsmouth, NH
Portsmouth, NH
Manchester, NH
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Keene, NH