Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 0.0 percent. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0).
Asset Mix:
Consumer loans (40%), securities (18%), other (42%)
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
2157 Main Street
Buffalo, NY 14214
Buffalo, NY 14214
Phone Number
(716) 862-1472
NCUA Charter Number
Website
Largest Competitors
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY