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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (9.9). Good liquidity 7.0, driven by a liquidity ratio of 41.2 percent and a “hot money” ratio of 2.0 percent.
Asset Mix:
Consumer loans (32%), other (68%)
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
730 South Crouse Avenue
Syracuse, NY 13210
Syracuse, NY 13210
Phone Number
(315) 470-7928
NCUA Charter Number
Website
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY