Seneca Savings
Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Other 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 (4.0 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 14.2 percent and a “hot money” ratio of 22.2 percent.
Asset Mix:
Home mtgs (36%), comm re (17%), securities (16%), comm loans (7%), home eq lns (5%), cash (4%), consumer loans (2%), other (13%)
States with Branches:
NY
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
Group Affiliation
Seneca Financial MHC
Investment Rating
--
Address
35 Oswego Street
Baldwinsville, NY 13027
Baldwinsville, NY 13027
Phone Number
(315) 638-0233
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.