Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 15.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.7. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.5 has resulted in Good (6.3) profitability.
Asset Mix:
Home mtgs (31%), consumer loans (29%), comm loans (12%), other (29%)
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
1916 Black River Boulevard
Rome, NY 13440
Rome, NY 13440
Phone Number
(315) 356-3000
NCUA Charter Number
Website
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