Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.9). Fair liquidity 3.9, driven by a liquidity ratio of 15.4 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Consumer loans (26%), home mtgs (10%), other (64%)
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
494 East Main Street
Malone, NY 12953
Malone, NY 12953
Phone Number
(518) 483-8668
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
Rochester, NY
Long Island City, NY