Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Excellent asset quality (8.7). Fair liquidity 3.4, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Consumer loans (22%), home mtgs (12%), other (66%)
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
