Major 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.6 and a net worth ratio of 20.5. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.1).
Asset Mix:
Consumer loans (30%), home mtgs (22%), other (48%)
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
310 George Patterson Drive
Bristol, PA 19007
Bristol, PA 19007
Phone Number
(215) 785-7515
NCUA Charter Number
Largest Competitors
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