Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.6. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (21%), comm loans (5%), other (44%)
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
10 Benton Place
Sodus, NY 14551
Sodus, NY 14551
Phone Number
(800) 724-9282
NCUA Charter Number
Website
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