Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10). A current level of 14.0 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 18.1 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 12.0.
Asset Mix:
Securities (30%), consumer loans (23%), home mtgs (9%), other (39%)
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
498 Fashion Avenue
New York, NY 10018
New York, NY 10018
Phone Number
(212) 957-1055
NCUA Charter Number
Website
Largest Competitors
New York, NY
New York, NY
New York, NY
New York, NY
New York, NY