Mount Vernon NY Postal Employ Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 1.2 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. Excellent liquidity 8.0, driven by a liquidity ratio of 65.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (15%), other (85%)
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
15 South First Avenue
Mount Vernon, NY 10550
Mount Vernon, NY 10550
Phone Number
(914) 668-0638
NCUA Charter Number
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
Rochester, NY
Mount Vernon, NY