Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Excellent (7.0) profitability. Good liquidity 7.0, driven by a liquidity ratio of 29.8 percent and a “hot money” ratio of 0.1 percent.
Asset Mix:
Consumer loans (19%), home mtgs (4%), securities (2%), comm loans (2%), other (72%)
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
8900 Van Wyck Expressway
Jamaica, NY 11418
Jamaica, NY 11418
Phone Number
(718) 206-8216
NCUA Charter Number
Website
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