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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 61.8 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.0 and a net worth ratio of 0.0.
Asset Mix:
Other (100%)
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
12 West 108th Street
New York, NY 10025
New York, NY 10025
Phone Number
(212) 316-6409
NCUA Charter Number
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY