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 (2.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 26.4 percent and a “hot money” ratio of 0.0 percent. Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 0.0.
Asset Mix:
Securities (39%), consumer loans (28%), home mtgs (8%), other (24%)
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