Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Weak liquidity 1.4, driven by a liquidity ratio of 10.8 percent and a “hot money” ratio of 0.0 percent. A current level of 13.5 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (75%), securities (14%), home mtgs (0%), other (11%)
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
413 Oriskany Street, West
Utica, NY 13502
Utica, NY 13502
Phone Number
(315) 223-3592
NCUA Charter Number
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
Utica, NY
