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 Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 12.1. Excellent liquidity 7.6, driven by a liquidity ratio of 54.7 percent and a “hot money” ratio of 0.0 percent.
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
Albany, NY
Rochester, NY
Gloversville, NY