Major Rating Factors:
A current level of 22.3 percent of nonperforming loans to core capital combined with 15.6 percent from a year earlier contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7. Fair liquidity 4.5, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 5.0 percent.
Asset Mix:
Consumer loans (30%), home mtgs (14%), securities (3%), other (52%)
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
30 Brunswick Road
Depew, NY 14043
Depew, NY 14043
Phone Number
(716) 681-1460
NCUA Charter Number
Website
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