Major Rating Factors:
Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.5 and a net worth ratio of 12.4.
Other Rating Factors:
Fair liquidity 3.0, driven by a liquidity ratio of 7.2 percent and a “hot money” ratio of 14.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (34%), consumer loans (10%), securities (0%), other (56%)
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
Chelsea, MA
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