Gouverneur Savings and Loan Association

Gouverneur Savings and Loan Association is a currently active mortgage lending specialization banking institution headquartered in Gouverneur, New York. Established in 01/01/1892, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Gouverneur Savings and Loan Association manages $198.5M in total assets and holds $161.5M in customer deposits. When evaluating the stability of Gouverneur Savings and Loan Association, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 16.03%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.61%, while its Return on Equity (ROE) sits at 3.85%. These metrics result in a moderate health score of 7.0 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.