Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 14.9 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 0.0.
Asset Mix:
Securities (56%), consumer loans (16%), home mtgs (10%), other (18%)
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
3111 Saunders Settlement Road
Sanborn, NY 14132
Sanborn, NY 14132
Phone Number
(716) 614-6445
NCUA Charter Number
Website
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