Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 12.0.
Other Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.6) profitability. Fair liquidity 4.4, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (27%), home mtgs (11%), other (62%)
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
23 Phillips Street
Massena, NY 13662
Massena, NY 13662
Phone Number
(315) 764-0240
NCUA Charter Number
Website
Largest Competitors
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Massena, NY