Major Rating Factors:
A current level of 44.9 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 11.0 percent.
Asset Mix:
Home mtgs (25%), consumer loans (13%), other (61%)
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
125 North Fulton Street
Ithaca, NY 14850
Ithaca, NY 14850
Phone Number
(607) 273-4611
NCUA Charter Number
Website
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