Cattaraugus County Employees Federal Credit Union
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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.1. A current level of 7.6 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (37%), securities (27%), home mtgs (5%), other (31%)
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
100 Fair Oak Street
Little Valley, NY 14755
Little Valley, NY 14755
Phone Number
(716) 938-6071
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
Rochester, NY
Long Island City, NY