Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (6.6). Weak liquidity 2.1, driven by a liquidity ratio of 7.3 percent and a “hot money” ratio of 13.1 percent.
Asset Mix:
Home mtgs (31%), consumer loans (17%), other (52%)
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
200 Westgate Center Drive
Hadley, MA 01035
Hadley, MA 01035
Phone Number
(413) 256-5500
NCUA Charter Number
Website
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