Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0.
Asset Mix:
Securities (45%), consumer loans (39%), other (16%)
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
368 Pleasant View Drive
Lancaster, NY 14086
Lancaster, NY 14086
Phone Number
(716) 332-5337
NCUA Charter Number
Largest Competitors
Bethpage, NY
Hauppauge, NY
Rochester, NY
Long Island City, NY
Albany, NY