Major Rating Factors:
A current level of 107.3 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (26%), home mtgs (21%), other (54%)
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
301 Massachusetts Avenue
Boston, MA 02115
Boston, MA 02115
Phone Number
(857) 362-7328
NCUA Charter Number
Largest Competitors
Boston, MA
Boston, MA
Boston, MA
Boston, MA
Boston, MA