Stewart's Federal Credit Union
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 (3.4 on a scale of 0 to 10). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3.
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.7 has resulted in Excellent (9.3) profitability. A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Asset Mix:
Consumer loans (29%), securities (28%), home mtgs (4%), 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
P.O. Box 435
Saratoga Springs, NY 12866
Saratoga Springs, NY 12866
Phone Number
(518) 581-1201
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
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Saratoga Springs, NY