Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 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 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Asset Mix:
Home mtgs (62%), securities (4%), consumer loans (4%), comm loans (1%), other (29%)
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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