Urban Upbound Federal Credit Union
Major 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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.6 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Excellent liquidity 8.9, driven by a liquidity ratio of 106.2 percent and a “hot money” ratio of 0.0 percent. A current level of 2.3 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Consumer loans (5%), other (95%)
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
13-03B 40th Avenue
Long Island City, NY 11101
Long Island City, NY 11101
Phone Number
(718) 784-5050
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Long Island City, NY
Long Island City, NY
Long Island City, NY
