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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (7.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.3 and a net worth ratio of 22.3. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (57%), other (43%)
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
61 East Park Drive
Tonawanda, NY 14150
Tonawanda, NY 14150
Phone Number
(716) 879-2363
NCUA Charter Number
Largest Competitors
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Tonawanda, NY