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 (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 29.4 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Fair asset quality (3.5). Good liquidity 5.2, driven by a liquidity ratio of 37.5 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Home mtgs (27%), consumer loans (25%), other (48%)
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
400 West Avenue
Brockport, NY 14420
Brockport, NY 14420
Phone Number
(585) 637-9179
NCUA Charter Number
Website
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