Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 32.5 percent. A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (43%), consumer loans (30%), securities (8%), other (19%)
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
535 Broadhollow Rd
Melville, NY 11747
Melville, NY 11747
Phone Number
(833) 676-3876
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
Rochester, NY
Melville, NY