Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability. A current level of 10.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.5 and a net worth ratio of 16.5. Excellent liquidity 7.8, driven by a liquidity ratio of 83.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (28%), other (72%)
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
33 Oakland Avenue
Harrison, NY 10528
Harrison, NY 10528
Phone Number
(914) 777-2935
NCUA Charter Number
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