Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 15.0 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (30%), other (32%)
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