Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 0.0. A current level of 2.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (9.8) profitability. Excellent liquidity 7.9, driven by a liquidity ratio of 74.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (21%), home mtgs (4%), other (75%)
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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