Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 9.0.
Other Rating Factors:
A current level of 13.5 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Good asset quality (6.1). 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).
Asset Mix:
Home mtgs (29%), consumer loans (5%), other (66%)
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
899 South Oyster Bay Road
Bethpage, NY 11714
Bethpage, NY 11714
Phone Number
(800) 628-7070
NCUA Charter Number
Website
Largest Competitors
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