Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Good asset quality (5.7). Good liquidity 5.7, driven by a liquidity ratio of 20.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (14%), home mtgs (13%), consumer loans (12%), other (61%)
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
213 Pine Street
Carnegie, PA 15106
Carnegie, PA 15106
Phone Number
(412) 276-5379
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
