Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (9.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.4. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (24%), securities (23%), home mtgs (18%), other (35%)
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
Six Franklin Avenue
Clinton, NY 13323
Clinton, NY 13323
Phone Number
(315) 557-1000
NCUA Charter Number
Website
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