Major Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (6.5). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 9.0.
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 42.2 percent and a “hot money” ratio of 13.8 percent. 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).
Asset Mix:
Consumer loans (29%), home mtgs (11%), other (59%)
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
1753 Milton Avenue
Solvay, NY 13209
Solvay, NY 13209
Phone Number
(315) 488-4433
NCUA Charter Number
Website
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