Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.4 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 18.5 percent and a “hot money” ratio of 21.0 percent.
Asset Mix:
Home mtgs (41%), consumer loans (13%), 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
119 Russell Street
Littleton, MA 01460
Littleton, MA 01460
Phone Number
(978) 345-1021
NCUA Charter Number
Website
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