N Y Team Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 6.8. Fair liquidity 4.5, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 5.8 percent.
Asset Mix:
Consumer loans (32%), home mtgs (19%), comm loans (1%), other (48%)
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
4155 Veterans Memorial Hwy
Ronkonkoma, NY 11779
Ronkonkoma, NY 11779
Phone Number
(516) 822-1070
NCUA Charter Number
Website
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