Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.2 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 12.2. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Securities (66%), consumer loans (19%), home mtgs (4%), other (11%)
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
Two Wilson Avenue
Bath, NY 14810
Bath, NY 14810
Phone Number
(607) 776-3684
NCUA Charter Number
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