Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (6.6) profitability.
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 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (23%), home mtgs (17%), comm loans (10%), securities (0%), other (50%)
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
Two Wall Street
Albany, NY 12205
Albany, NY 12205
Phone Number
(518) 393-1326
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Albany, NY
Albany, NY
Albany, NY
Albany, NY