Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 39.6 percent and a “hot money” ratio of 8.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Securities (15%), consumer loans (13%), home mtgs (4%), other (68%)
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
34 Glennie Street
Worcester, MA 01605
Worcester, MA 01605
Phone Number
(508) 752-1122
NCUA Charter Number
Website
Largest Competitors
Rockland, MA
Worcester, MA
Worcester, MA
Worcester, MA
Worcester, MA