Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 13.3 percent.
Asset Mix:
Home mtgs (30%), consumer loans (12%), other (58%)
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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