One Credit Union of NY
Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (19%), securities (6%), home mtgs (5%), other (71%)
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
3517 Union Road
Cheektowaga, NY 14225
Cheektowaga, NY 14225
Phone Number
(716) 842-1320
NCUA Charter Number
Website
Largest Competitors
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY