Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.9.
Asset Mix:
Consumer loans (32%), securities (26%), home mtgs (9%), other (33%)
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
6470 Main Street
Amherst, NY 14221
Amherst, NY 14221
Phone Number
(716) 634-3881
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Amherst, NY
Amherst, NY
Amherst, NY