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 (2.3 on a scale of 0 to 10). Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability. Good liquidity 5.9, driven by a liquidity ratio of 45.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (26%), consumer loans (23%), home mtgs (12%), other (39%)
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
Bethpage, NY
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