Upstate Telco Federal Credit Union
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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 4.0%, coupled with a return on assets of 4.0 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.5 and a net worth ratio of 0.0. A current level of 0.0 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (9.3).
Asset Mix:
Consumer loans (25%), other (75%)
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
137 Harrison Street
Gloversville, NY 12078
Gloversville, NY 12078
Phone Number
(518) 773-6548
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Long Island City, NY
Rochester, NY
Gloversville, NY