Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (1.3) profitability. Weak current capitalization (2.9 on a scale of 0 to 10) based on a net capital to total assets of 5.2 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 8.9 percent and a “hot money” ratio of 8.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), consumer loans (14%), securities (2%), other (64%)
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
6485 South Transit Road
Lockport, NY 14094
Lockport, NY 14094
Phone Number
(716) 434-2290
NCUA Charter Number
Website
Largest Competitors
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Lockport, NY