Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0. Fair liquidity 4.7, driven by a liquidity ratio of 31.3 percent and a “hot money” ratio of 13.6 percent.
Asset Mix:
Consumer loans (22%), home mtgs (9%), securities (7%), 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
335 West Butler Avenue
Chalfont, PA 18914
Chalfont, PA 18914
Phone Number
(215) 996-3700
NCUA Charter Number
Website
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