Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). 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 9.4.
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (32%), consumer loans (30%), other (38%)
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
1916 Black River Boulevard
Rome, NY 13440
Rome, NY 13440
Phone Number
(315) 356-3000
NCUA Charter Number
Website
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