Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6.
Other Rating Factors:
Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.6 has resulted in Excellent (8.1) profitability. Excellent liquidity 7.6, driven by a liquidity ratio of 72.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (21%), home mtgs (4%), other (74%)
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
27 West Main Street
Fillmore, NY 14735
Fillmore, NY 14735
Phone Number
(585) 567-4103
NCUA Charter Number
Website
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