Development
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 19.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. Fair liquidity 3.2, driven by a liquidity ratio of 29.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (23%), home mtgs (11%), consumer loans (6%), other (60%)
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
37 Avenue B
New York, NY 10009
New York, NY 10009
Phone Number
(212) 529-8197
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY