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
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Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 34.9 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 14.2 and a net worth ratio of 0.0.
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
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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
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