Major Rating Factors:
Operating profits as a percentage of assets at 66.7%, coupled with a return on assets of 65.5 has resulted in Fair (3.3) profitability. An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5).
Other Rating Factors:
Excellent liquidity 8.6, driven by a liquidity ratio of 100.1 percent and a “hot money” ratio of 0.0 percent. A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4).
Asset Mix:
Consumer loans (11%), other (89%)
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
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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
Cathedral House
New York, NY 10025
New York, NY 10025
Phone Number
(212) 960-7100
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY