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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.3.
Asset Mix:
Consumer loans (30%), securities (20%), home mtgs (1%), other (49%)
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
1201 Wolf Street
Syracuse, NY 13208
Syracuse, NY 13208
Phone Number
(315) 477-5384
NCUA Charter Number
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY