Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.4). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 9.3.
Asset Mix:
Home mtgs (32%), consumer loans (13%), securities (1%), 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
24 McKinley Avenue
Endicott, NY 13760
Endicott, NY 13760
Phone Number
(800) 242-2120
NCUA Charter Number
Website
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