Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 30.2 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6.
Asset Mix:
Securities (49%), consumer loans (34%), other (17%)
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
Rochester, NY
Long Island City, NY
Hauppauge, NY
Albany, NY