Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 0.0. A current level of 1.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.3 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), securities (25%), consumer loans (24%), 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
726 Broadway
New York, NY 10003
New York, NY 10003
Phone Number
(866) 698-2865
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY