Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8.
Other Rating Factors:
Excellent liquidity 8.0, driven by a liquidity ratio of 54.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (7.6) profitability.
Asset Mix:
Consumer loans (13%), other (87%)
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
New York State Office Building
Hauppauge, NY 11788
Hauppauge, NY 11788
Phone Number
(631) 291-9160
NCUA Charter Number
Website
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