Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (6.6) profitability. Good liquidity 5.6, driven by a liquidity ratio of 20.8 percent and a “hot money” ratio of 5.0 percent.
Asset Mix:
Consumer loans (27%), home mtgs (11%), securities (3%), other (59%)
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
417 Broad Street
Salamanca, NY 14779
Salamanca, NY 14779
Phone Number
(716) 945-5340
NCUA Charter Number
Website
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