Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Excellent (8.0) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 10.6.
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 (6.8 on a scale of 0 to 10). A current level of 7.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (18%), home mtgs (13%), comm loans (4%), other (64%)
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
1550 Medical Drive
Pottstown, PA 19464
Pottstown, PA 19464
Phone Number
(610) 326-3705
NCUA Charter Number
Website
Largest Competitors
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