Stewart's Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 6.5. Good liquidity 6.3, driven by a liquidity ratio of 51.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (30%), consumer loans (23%), home mtgs (3%), other (44%)
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
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Saratoga Springs, NY