Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.7). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.8) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 33.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), home mtgs (16%), securities (11%), other (34%)
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
915 East Second Street
Jamestown, NY 14701
Jamestown, NY 14701
Phone Number
(716) 483-1650
NCUA Charter Number
Website
Largest Competitors
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Jamestown, NY