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 (0.0 on a scale of 0 to 10). A current level of 100.0 percent of nonperforming loans to core capital combined with 100.0 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Very Weak current capitalization (0.9 on a scale of 0 to 10) based on a net capital to total assets of 4.3 and a net worth ratio of 0.0. Weak liquidity 2.7, driven by a liquidity ratio of 11.7 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Home mtgs (49%), consumer loans (11%), other (40%)
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
1816 Erie Boulevard East
Syracuse, NY 13210
Syracuse, NY 13210
Phone Number
(315) 471-1116
NCUA Charter Number
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY