Is Gouverneur Savings&Loan Assn Safe?
Gouverneur Savings&Loan Assn has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (37/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.01% | 100/100 |
| Nonperforming Loan Ratio | 0.41% | 92/100 |
| Liquidity Ratio | 25.57% | 82/100 |
| Return on Assets | 0.42% | 37/100 |
| Total Assets | $0.2B | |
How does Gouverneur Savings&Loan Assn compare?
With a Bank Health Score of 87/100, Gouverneur Savings&Loan Assn sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Gouverneur Savings&Loan Assn ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 23.01% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.41% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Gouverneur Savings&Loan Assn's Bank Health Score held roughly steady at 87/100. Tier 1 capital strengthened by 4.13 percentage points to 23.01%. Quarter-over-quarter, the score rose by 2.0 points.
Gouverneur Savings&Loan Assn has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (37/100).