Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.0, driven by a liquidity ratio of 31.8 percent and a “hot money” ratio of 0.0 percent. 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 0.0.
Asset Mix:
Securities (64%), consumer loans (18%), other (18%)
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