Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.7) profitability. Good liquidity 6.1, driven by a liquidity ratio of 35.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (28%), consumer loans (14%), home mtgs (9%), other (49%)
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
257 Highland Parkway
Buffalo, NY 14223
Buffalo, NY 14223
Phone Number
(716) 873-4688
NCUA Charter Number
Website
Largest Competitors
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY