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 (4.0 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 8.1.
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.7). Weak liquidity 2.8, driven by a liquidity ratio of 14.4 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Home mtgs (36%), consumer loans (21%), securities (5%), other (39%)
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
4 Winners Circle
Albany, NY 12205
Albany, NY 12205
Phone Number
(518) 458-8986
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Albany, NY
Albany, NY
Albany, NY
Albany, NY
