Adirondack Regional Federal Credit Union
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 (4.0 on a scale of 0 to 10). A current level of 67.7 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.3 has resulted in Good (6.8) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (28%), securities (15%), consumer loans (14%), other (43%)
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
280 Park Street
Tupper Lake, NY 12986
Tupper Lake, NY 12986
Phone Number
(518) 359-2921
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
Rochester, NY
Albany, NY