Blackstone River Federal Credit Union
Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.3) profitability. Good liquidity 6.0, driven by a liquidity ratio of 32.6 percent and a “hot money” ratio of 6.6 percent.
Asset Mix:
Consumer loans (25%), securities (10%), home mtgs (6%), other (59%)
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