Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.7) profitability. 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).
Other Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.2.
Asset Mix:
Consumer loans (37%), securities (17%), other (46%)
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