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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 34.7 percent and a “hot money” ratio of 0.0 percent. A current level of 12.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Asset Mix:
Securities (51%), consumer loans (34%), 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
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