Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (9.9). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.2.
Asset Mix:
Consumer loans (26%), home mtgs (22%), other (52%)
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
656 North French Road
Amherst, NY 14228
Amherst, NY 14228
Phone Number
(716) 691-3110
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Amherst, NY
Amherst, NY
Amherst, NY