Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.4 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 29.3 percent and a “hot money” ratio of 0.0 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Consumer loans (58%), securities (16%), other (26%)
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
PeroxyChem LLC
Tonawanda, NY 14150
Tonawanda, NY 14150
Phone Number
(716) 879-0415
NCUA Charter Number
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
Tonawanda, NY
Tonawanda, NY