Canandaigua Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A current level of 8.0 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (24%), home mtgs (11%), securities (2%), other (63%)
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
3210 Eastern Boulevard
Canandaigua, NY 14424
Canandaigua, NY 14424
Phone Number
(585) 394-2436
NCUA Charter Number
Website
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