Major Rating Factors:
Weak current capitalization (2.8 on a scale of 0 to 10) based on a net capital to total assets of 5.2 and a net worth ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 8.1 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (12%), other (50%)
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
1975 Buffalo Road
Rochester, NY 14624
Rochester, NY 14624
Phone Number
(585) 454-5900
NCUA Charter Number
Website
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
