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 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.1) 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 21.2 and a net worth ratio of 21.2. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Consumer loans (61%), home mtgs (1%), other (38%)
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
Largest Competitors
Bethpage, NY
Rochester, NY
Long Island City, NY
Hauppauge, NY
Albany, NY