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). A current level of 16.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.5).
Other Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability. Fair liquidity 4.2, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (65%), securities (11%), other (24%)
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
Long Island City, NY
Hauppauge, NY
Rochester, NY
Schenectady, NY