Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0. Good liquidity 6.2, driven by a liquidity ratio of 32.7 percent and a “hot money” ratio of 4.3 percent.
Asset Mix:
Home mtgs (9%), consumer loans (3%), other (88%)
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
142-02 20th Avenue
Flushing, NY 11351
Flushing, NY 11351
Phone Number
(718) 961-7585
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Long Island City, NY
Rochester, NY
Flushing, NY