Major Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Excellent (7.8) profitability. 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).
Asset Mix:
Consumer loans (19%), home mtgs (14%), comm loans (4%), other (63%)
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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