Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.8 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent liquidity 8.6, driven by a liquidity ratio of 94.2 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.6.
Asset Mix:
Securities (3%), consumer loans (2%), other (95%)
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
80 Pine Street
New York, NY 10005
New York, NY 10005
Phone Number
(646) 933-4505
NCUA Charter Number
Website
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New York, NY
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