Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 13.7. A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 16.8 percent.
Asset Mix:
Home mtgs (34%), consumer loans (19%), comm loans (7%), other (39%)
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
1030 Craft Road
Ithaca, NY 14850
Ithaca, NY 14850
Phone Number
(607) 257-8500
NCUA Charter Number
Website
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