Major Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.0. Weak liquidity 2.8, driven by a liquidity ratio of 12.9 percent and a “hot money” ratio of 15.1 percent.
Asset Mix:
Consumer loans (22%), home mtgs (18%), comm loans (9%), securities (0%), other (51%)
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
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Albany, NY