Schenectady County Employees 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 Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 35.8 percent and a “hot money” ratio of 0.0 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.1.
Asset Mix:
Consumer loans (63%), securities (10%), other (27%)
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
388 Broadway
Schenectady, NY 12305
Schenectady, NY 12305
Phone Number
(518) 374-3830
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
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Schenectady, NY