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 (1.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 7.5 percent and a “hot money” ratio of 24.1 percent. Weak current capitalization (2.9 on a scale of 0 to 10) based on a net capital to total assets of 5.2 and a net worth ratio of 9.3.
Asset Mix:
Home mtgs (24%), consumer loans (13%), securities (1%), other (62%)
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
45 Atlantic Avenue
Oceanside, NY 11572
Oceanside, NY 11572
Phone Number
(516) 620-8100
NCUA Charter Number
Website
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