Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 29.1 percent and a “hot money” ratio of 4.6 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (24%), securities (19%), consumer loans (12%), other (45%)
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
655 State Road
Westport, MA 02790
Westport, MA 02790
Phone Number
(508) 679-0197
NCUA Charter Number
Website
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