Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.5) profitability. Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 7.9 percent and a “hot money” ratio of 7.1 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 (20%), consumer loans (17%), securities (2%), 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
6485 South Transit Road
Lockport, NY 14094
Lockport, NY 14094
Phone Number
(716) 434-2290
NCUA Charter Number
Largest Competitors
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Lockport, NY