Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.9 and a net worth ratio of 12.9. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (25%), securities (20%), home mtgs (4%), other (52%)
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
107 Washington Avenue
Albany, NY 12210
Albany, NY 12210
Phone Number
(518) 434-3728
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Albany, NY
Albany, NY
Albany, NY
Albany, NY
