Major Rating Factors:
Weak current capitalization (2.1 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 9.3. Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability.
Other 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 (3.2 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Home mtgs (20%), consumer loans (9%), other (71%)
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
490 Westfield Road
Holyoke, MA 01040
Holyoke, MA 01040
Phone Number
(413) 278-6852
NCUA Charter Number
Website
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