Central One Federal Credit Union
Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
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. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability.
Asset Mix:
Home mtgs (36%), consumer loans (10%), securities (7%), other (47%)
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
714 Main Street
Shrewsbury, MA 01545
Shrewsbury, MA 01545
Phone Number
(508) 842-7400
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Chelsea, MA
Rockland, MA
Littleton, MA
Shrewsbury, MA