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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 6.5. Fair liquidity 4.2, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (41%), consumer loans (27%), home mtgs (9%), other (23%)
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
2870 Buffalo Road
Rochester, NY 14624
Rochester, NY 14624
Phone Number
(585) 247-1090
NCUA Charter Number
Website
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY