Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (7.0). Good liquidity 5.7, driven by a liquidity ratio of 34.0 percent and a “hot money” ratio of 4.8 percent.
Asset Mix:
Consumer loans (30%), home mtgs (11%), securities (11%), other (48%)
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
51 East Main Street
Falconer, NY 14733
Falconer, NY 14733
Phone Number
(716) 665-3799
NCUA Charter Number
Website
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