Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 11.5. Fair liquidity 4.2, driven by a liquidity ratio of 22.7 percent and a “hot money” ratio of 17.2 percent.
Asset Mix:
Home mtgs (33%), consumer loans (9%), securities (0%), other (58%)
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
29 High Street
Medford, MA 02155
Medford, MA 02155
Phone Number
(781) 905-1500
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
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Chelsea, MA
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