Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 24.2 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.6.
Asset Mix:
Consumer loans (44%), 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
311 Chestnut St
Chelsea, MA 02150
Chelsea, MA 02150
Phone Number
(617) 884-3599
NCUA Charter Number
Website
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