Major Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 10.2. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (3.1) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (19%), other (52%)
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
1099 Morton Boulevard
Kingston, NY 12401
Kingston, NY 12401
Phone Number
(845) 336-4444
NCUA Charter Number
Website
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