Rating Date
May 2024
Net Capital
Ratio
Ratio
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Leverage
Ratio
Ratio
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Return On
Assets
Assets
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Total
Assets
Assets
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Capital
--
Total
Deposits
Deposits
--
Net
Income
Income
--
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 36.6 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 13.1.
Asset Mix:
Other (100%)
Asset Quality
Non-Performing Loans to Capital
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Non-Performing Assets to Assets
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Non-Performing Loans to Loans
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Loan Loss Reserves to Loans
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Charge-Offs to Average Loans
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5-Year Charge-Offs to Average Loans
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5-Year Asset Growth
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1-Year Asset Growth
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Profitability
Operating Profit to Average Assets
--
Return on Equity
--
Net Interest Spread
--
5-Year ROAA (Return on Average Assets)
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Overhead Efficiency Ratio
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Liquidity
Liquidity Ratio
--
Hot Money
--
Corporate Info
Address
One Executive Boulevard
Yonkers, NY 10701
Yonkers, NY 10701
Phone Number
(914) 376-7088
NCUA Charter Number
Largest Competitors
Bethpage, NY
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