Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 22.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Weak liquidity 3.0, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (37%), home mtgs (30%), 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
62 South Elmwood Avenue
Buffalo, NY 14202
Buffalo, NY 14202
Phone Number
(716) 847-6960
NCUA Charter Number
Website
Largest Competitors
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY
Buffalo, NY