Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.4.
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 (5.8 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 18.8 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Consumer loans (44%), home mtgs (11%), securities (7%), comm loans (5%), other (32%)
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
300 Arch Street
Meadville, PA 16335
Meadville, PA 16335
Phone Number
(814) 336-2794
NCUA Charter Number
Website
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