Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Weak liquidity 2.4, driven by a liquidity ratio of 6.8 percent and a “hot money” ratio of 25.9 percent.
Asset Mix:
Home mtgs (23%), comm loans (14%), consumer loans (8%), other (55%)
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
3681 Horseblock Road
Medford, NY 11763
Medford, NY 11763
Phone Number
(631) 924-8000
NCUA Charter Number
Website
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