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 2.1, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 32.7 percent. A current level of 13.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (44%), consumer loans (28%), securities (8%), other (20%)
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
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