Major Rating Factors:
Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 9.2.
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 6.6 percent and a “hot money” ratio of 15.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), comm loans (14%), consumer loans (11%), other (53%)
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
229 Parker Street
Gardner, MA 01440
Gardner, MA 01440
Phone Number
(978) 632-2542
NCUA Charter Number
Website
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