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 (4.6 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 11.7 and a net worth ratio of 0.0. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (17%), securities (10%), home mtgs (2%), 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
15 Vanderbilt Avenue
New York, NY 10017
New York, NY 10017
Phone Number
(212) 697-5367
NCUA Charter Number
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY