Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7. A current level of 8.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Asset Mix:
Securities (36%), consumer loans (11%), home mtgs (5%), other (48%)
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
150 Defreest Drive
Troy, NY 12180
Troy, NY 12180
Phone Number
(518) 286-1611
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
Rochester, NY
Troy, NY