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 (3.9 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.4). Weak liquidity 2.7, driven by a liquidity ratio of 9.3 percent and a “hot money” ratio of 25.6 percent.
Asset Mix:
Home mtgs (22%), consumer loans (10%), other (69%)
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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