Major Rating Factors:
A current level of 15.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 28.3 and a net worth ratio of 0.0. Good liquidity 6.1, driven by a liquidity ratio of 70.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (46%), other (54%)
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
11260 State Route 9W
Coxsackie, NY 12051
Coxsackie, NY 12051
Phone Number
(518) 731-6004
NCUA Charter Number
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