Major Rating Factors:
A current level of 36.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 12.2 percent and a “hot money” ratio of 17.6 percent. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.2 has resulted in Excellent (7.5) profitability.
Asset Mix:
Home mtgs (58%), consumer loans (10%), comm loans (5%), other (27%)
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