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 (3.5 on a scale of 0 to 10).
Other Rating Factors:
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. Good liquidity 6.1, driven by a liquidity ratio of 43.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (54%), consumer loans (17%), other (29%)
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
5640 East Taft Road, Room 206
Syracuse, NY 13220
Syracuse, NY 13220
Phone Number
(315) 458-5550
NCUA Charter Number
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY