Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 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 30.3 and a net worth ratio of 30.3. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (58%), other (42%)
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
3961 10th Avenue
New York, NY 10034
New York, NY 10034
Phone Number
(212) 942-5750
NCUA Charter Number
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY