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 (3.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 33.7 percent and a “hot money” ratio of 21.7 percent. A current level of 10.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (26%), home mtgs (5%), comm loans (3%), other (66%)
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
1751 Transit Road
Elma, NY 14059
Elma, NY 14059
Phone Number
(716) 771-3434
NCUA Charter Number
Website
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