Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4. 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:
A current level of 11.6 percent of nonperforming loans to core capital combined with 18.9 percent from a year earlier contributes to the Good asset quality (5.6). Fair liquidity 4.9, driven by a liquidity ratio of 26.3 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Consumer loans (36%), home mtgs (15%), other (49%)
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
937 Seneca Street
Rome, NY 13440
Rome, NY 13440
Phone Number
(315) 339-1658
NCUA Charter Number
Website
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