Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (8.5) profitability. A current level of 1.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Consumer loans (55%), home mtgs (4%), other (41%)
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
Dulles State Office Building
Watertown, NY 13601
Watertown, NY 13601
Phone Number
(315) 785-2400
NCUA Charter Number
Website
Largest Competitors
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