Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 11.0. A current level of 1.4 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Home mtgs (49%), securities (27%), comm re (5%), consumer loans (3%), comm loans (2%), cash (2%), home eq lns (1%), other (10%)
States with Branches:
PA
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
Group Affiliation
Charleroi Financial MHC
Investment Rating
--
Address
101 McKean Avenue
Charleroi, PA 15022
Charleroi, PA 15022
Phone Number
(724) 483-3566
Year Founded
FDIC Number
Website
Largest Affiliates
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