Special Metals 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 (3.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 10.9. A current level of 4.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Asset Mix:
Consumer loans (38%), home mtgs (5%), other (58%)
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
4340 Middle Settlement Road
New Hartford, NY 13413
New Hartford, NY 13413
Phone Number
(315) 797-3575
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
New Hartford, NY
New Hartford, NY
New Hartford, NY
New Hartford, NY