Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. A current level of 9.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Asset Mix:
Home mtgs (63%), securities (5%), consumer loans (4%), comm loans (0%), other (28%)
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
599 East Street
Ludlow, MA 01056
Ludlow, MA 01056
Phone Number
(413) 589-9966
NCUA Charter Number
Website
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