D
South Towns Community Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
8.19
Leverage
Ratio
8.19
Return On
Assets
0.61%
Total
Assets
18.68M
Capital
1.53M
Total
Deposits
17.08M
Net
Income
28.00K
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Weiss Ratings South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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Rating D
Asset Quality Index 10.00
Capitalization Index 5.80
Liquidity Index 5.90
Profitability Index 3.30
Stability Index 3.00
Company Info South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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NCUA Charter Number 3246
Phone Number (716) 827-7788
Website www.stownsfcu.com
Asset Quality South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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1-Year Asset Growth -1.65%
5-Year Asset Growth 2.06%
5-Year Charge-Offs to Average Loans 0.39%
Charge-Offs to Average Loans -0.12%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.06%
Non-Performing Loans to Loans 0.01%
Balance Sheet South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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Total Assets 18.68M
Total Deposits 17.08M
Capital and Reserves South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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Capital 1.53M
Leverage Ratio 8.19
Loan Loss Reserves to Loans 0.47%
Liquidity South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 32.21%
Profitability South Towns Community Federal Credit Union
Lackawanna, NY 		Click to
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5-Year Return on Average Assets 0.22%
Net Income 28.00K
Net Interest Spread 3.63%
Operating Profit to Average Assets 0.61%
Overhead Efficiency Ratio 82.86%
Return on Assets 0.61%
Return on Equity 7.39%