Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 and a net worth ratio of 13.7. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7).
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 (6.3 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 32.0 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Consumer loans (26%), securities (9%), home mtgs (5%), other (61%)
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
2787 Niagara Falls Boulevard
Amherst, NY 14228
Amherst, NY 14228
Phone Number
(716) 691-6727
NCUA Charter Number
Website
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