Central One Federal Credit Union
Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.1. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.6) profitability.
Asset Mix:
Home mtgs (37%), consumer loans (11%), securities (10%), other (43%)
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