Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 43.0 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9.
Asset Mix:
Consumer loans (25%), securities (22%), home mtgs (1%), other (52%)
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