Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 22.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.3). Fair liquidity 3.3, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Consumer loans (29%), securities (15%), home mtgs (13%), comm loans (0%), other (42%)
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
5145 Broadway
Depew, NY 14043
Depew, NY 14043
Phone Number
(716) 681-1460
NCUA Charter Number
Website
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