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 (3.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 15.8 percent and a “hot money” ratio of 11.8 percent. Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 13.1.
Asset Mix:
Consumer loans (21%), home mtgs (16%), other (64%)
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
100 Madison Street
Syracuse, NY 13202
Syracuse, NY 13202
Phone Number
(315) 671-4000
NCUA Charter Number
Website
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY