Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.8 and a net worth ratio of 19.8. A current level of 3.3 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (75%), home mtgs (1%), other (24%)
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
30 School St.
Delevan, NY 14042
Delevan, NY 14042
Phone Number
(716) 496-5087
NCUA Charter Number
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