Blackstone River Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4. A current level of 3.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.8) profitability. Good liquidity 5.8, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Consumer loans (27%), securities (9%), home mtgs (6%), other (58%)
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
10 Monument Square
Woonsocket, RI 02895
Woonsocket, RI 02895
Phone Number
(401) 767-1990
NCUA Charter Number
Largest Competitors
Smithfield, RI
Pawtucket, RI
Warwick, RI
Middletown, RI
Wakefield, RI