Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 32.3 and a net worth ratio of 32.3. A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Securities (43%), consumer loans (25%), home mtgs (15%), other (16%)
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
2812 Genesee Street
Utica, NY 13502
Utica, NY 13502
Phone Number
(315) 724-5133
NCUA Charter Number
Website
Largest Competitors
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