Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 0.0. A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.1 has resulted in Excellent (9.8) profitability. Good liquidity 6.6, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (18%), home mtgs (9%), other (74%)
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
112 Campus Lane
Butler, PA 16001
Butler, PA 16001
Phone Number
(724) 283-9427
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Butler, PA