Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.4, driven by a liquidity ratio of 6.7 percent and a “hot money” ratio of 0.0 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Consumer loans (95%), other (5%)
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
1500 Waters Place
Bronx, NY 10461
Bronx, NY 10461
Phone Number
(718) 862-5042
NCUA Charter Number
Largest Competitors
Bethpage, NY
Rochester, NY
Long Island City, NY