Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1. A current level of 14.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (28%), consumer loans (22%), comm loans (11%), securities (6%), other (33%)
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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