Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 1.0 percent.
Asset Mix:
Securities (49%), consumer loans (16%), home mtgs (10%), other (26%)
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
2090 Brodhead Road
Aliquippa, PA 15001
Aliquippa, PA 15001
Phone Number
(724) 375-0248
NCUA Charter Number
Website
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