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 (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 29.3 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 14.4 and a net worth ratio of 0.0.
Asset Mix:
Securities (89%), consumer loans (4%), other (7%)
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
One Executive Boulevard
Yonkers, NY 10701
Yonkers, NY 10701
Phone Number
(914) 376-7088
NCUA Charter Number
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
Yonkers, NY
Yonkers, NY