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 (3.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 9.6 percent and a “hot money” ratio of 10.8 percent. A current level of 10.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (18%), home mtgs (6%), other (76%)
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
2215 East Henrietta Road
Rochester, NY 14623
Rochester, NY 14623
Phone Number
(585) 334-2710
NCUA Charter Number
Website
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY