Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.7. A current level of 16.7 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Home mtgs (30%), consumer loans (30%), securities (1%), other (39%)
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
1187 Troy Schenectady Road
Latham, NY 12110
Latham, NY 12110
Phone Number
(866) 786-6275
NCUA Charter Number
Website
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