Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability. Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 9.1.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (57%), comm loans (10%), securities (9%), consumer loans (8%), other (16%)
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
581 Merrimack St
Lowell, MA 01854
Lowell, MA 01854
Phone Number
(978) 452-5001
NCUA Charter Number
Website
Largest Competitors
Rockland, MA
Lowell, MA
Lowell, MA
Lowell, MA