Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 30.8 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.6.
Asset Mix:
Consumer loans (70%), other (30%)
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
375 Merrimack Street
Lowell, MA 01852
Lowell, MA 01852
Phone Number
(978) 970-4088
NCUA Charter Number
Website
Largest Competitors
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Lowell, MA
Lowell, MA
Lowell, MA