Major Rating Factors:
A current level of 53.5 percent of nonperforming loans to core capital combined with 47.6 percent from a year earlier contributes to the Very Weak asset quality (0.3). Operating profits as a percentage of assets at 4.5%, coupled with a return on assets of 4.5 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (18%), consumer loans (6%), other (42%)
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
37 Avenue B
New York, NY 10009
New York, NY 10009
Phone Number
(212) 529-8197
NCUA Charter Number
Website
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