Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 1.0 has resulted in Good (6.3) profitability. Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (27%), home mtgs (22%), other (51%)
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
One Member Way
Syracuse, NY 13212
Syracuse, NY 13212
Phone Number
(315) 477-2200
NCUA Charter Number
Website
Largest Competitors
Syracuse, NY
Syracuse, NY
Syracuse, NY
Syracuse, NY