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).
Other Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.2. Good liquidity 5.9, driven by a liquidity ratio of 58.6 percent and a “hot money” ratio of 30.9 percent.
Asset Mix:
Consumer loans (39%), other (61%)
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
Dover, NH
Manchester, NH
Nashua, NH
Keene, NH