Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 10.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.0 has resulted in Fair (3.1) profitability.
Asset Mix:
Home mtgs (43%), consumer loans (14%), comm loans (13%), other (31%)
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
120 Factory Street
Watertown, NY 13601
Watertown, NY 13601
Phone Number
(315) 782-0155
NCUA Charter Number
Website
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