Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.5 and a net worth ratio of 25.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (6.1) profitability.
Asset Mix:
Home mtgs (32%), consumer loans (16%), securities (15%), other (37%)
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
395 Gregory Street
Rochester, NY 14620
Rochester, NY 14620
Phone Number
(585) 461-2230
NCUA Charter Number
Website
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY