Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (9.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. Good liquidity 5.9, driven by a liquidity ratio of 40.1 percent and a “hot money” ratio of 0.3 percent.
Asset Mix:
Consumer loans (22%), home mtgs (14%), other (65%)
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
1960 Sweet Home Road
Amherst, NY 14228
Amherst, NY 14228
Phone Number
(716) 691-9187
NCUA Charter Number
Website
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