Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (5.7) profitability.
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 (5.4 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 9.6 percent.
Asset Mix:
Consumer loans (23%), home mtgs (10%), securities (6%), other (62%)
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
335 West Butler Avenue
Chalfont, PA 18914
Chalfont, PA 18914
Phone Number
(215) 996-3700
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Philadelphia, PA