Major Rating Factors:
Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 10.3. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Good liquidity 6.2, driven by a liquidity ratio of 32.2 percent and a “hot money” ratio of 8.4 percent.
Asset Mix:
Consumer loans (7%), home mtgs (5%), comm loans (4%), securities (1%), other (82%)
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
127 Schwenk Drive
Kingston, NY 12401
Kingston, NY 12401
Phone Number
(845) 339-5544
NCUA Charter Number
Website
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