Tri-Lakes Federal Credit Union
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.8 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (4%), other (65%)
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
197 Broadway
Saranac Lake, NY 12983
Saranac Lake, NY 12983
Phone Number
(518) 891-1666
NCUA Charter Number
Website
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