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 (4.5 on a scale of 0 to 10). Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (7.0). Weak liquidity 2.5, driven by a liquidity ratio of 10.6 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Home mtgs (37%), consumer loans (21%), securities (4%), 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
4 Winners Circle
Albany, NY 12205
Albany, NY 12205
Phone Number
(518) 458-8986
NCUA Charter Number
Website
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