Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A current level of 8.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (6.3) profitability. Good liquidity 5.9, driven by a liquidity ratio of 41.6 percent and a “hot money” ratio of 22.7 percent.
Asset Mix:
Consumer loans (24%), home mtgs (13%), other (63%)
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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