Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.3. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good liquidity 6.7, driven by a liquidity ratio of 25.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (17%), home mtgs (8%), other (75%)
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
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