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 (2.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 10.0 percent and a “hot money” ratio of 12.9 percent. Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 8.9.
Asset Mix:
Home mtgs (35%), consumer loans (19%), comm loans (8%), other (38%)
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
300 Bemis Road
Fitchburg, MA 01420
Fitchburg, MA 01420
Phone Number
(978) 343-3725
NCUA Charter Number
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