Major Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 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 19.0 and a net worth ratio of 22.8. Operating profits as a percentage of assets at 13.8%, coupled with a return on assets of 13.8 has resulted in Excellent (10.0) profitability.
Asset Mix:
Consumer loans (57%), other (43%)
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
1185 Boston Road
Bronx, NY 10456
Bronx, NY 10456
Phone Number
(718) 328-3930
NCUA Charter Number
Website
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