New England Teamsters Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 12.7. A current level of 5.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 1.0 has resulted in Good (6.0) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 31.8 percent and a “hot money” ratio of 35.3 percent.
Asset Mix:
Home mtgs (18%), consumer loans (4%), comm loans (1%), other (77%)
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
548 Main St
Charlestown, MA 02129
Charlestown, MA 02129
Phone Number
(781) 641-6700
NCUA Charter Number
Website
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