Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (45%), securities (9%), home mtgs (3%), other (43%)
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
1795 English Road
Rochester, NY 14616
Rochester, NY 14616
Phone Number
(585) 865-2560
NCUA Charter Number
Website
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY