Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 12.7. A current level of 24.7 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 16.9 percent and a “hot money” ratio of 6.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (16%), other (55%)
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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