Pioneer Valley Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.0.
Asset Mix:
Home mtgs (35%), consumer loans (26%), securities (4%), other (35%)
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
246 Brookdale Drive
Springfield, MA 01104
Springfield, MA 01104
Phone Number
(413) 733-2800
NCUA Charter Number
Website
Largest Competitors
Springfield, MA
Springfield, MA
Springfield, MA
Springfield, MA
Springfield, MA