Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.9). Fair liquidity 3.4, driven by a liquidity ratio of 21.1 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Home mtgs (35%), securities (33%), consumer loans (12%), other (20%)
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
4727 West Seneca Turnpike
Syracuse, NY 13215
Syracuse, NY 13215
Phone Number
(315) 295-5296
NCUA Charter Number
Website
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY