Coopers Cave Federal Credit Union
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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 21.8 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3.
Asset Mix:
Securities (34%), consumer loans (17%), home mtgs (13%), other (37%)
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
92 Dix Avenue
Glens Falls, NY 12801
Glens Falls, NY 12801
Phone Number
(518) 793-9502
NCUA Charter Number
Website
Largest Competitors
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