Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.7. A current level of 7.9 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Home mtgs (42%), consumer loans (12%), other (46%)
Corporate Info
2520 Browncroft Boulevard
Rochester, NY 14625
Rochester, NY 14625
(585) 586-8225
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY