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 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (27%), securities (22%), home mtgs (1%), other (50%)
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