Major Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 0.0. Fair liquidity 5.0, driven by a liquidity ratio of 34.0 percent and a “hot money” ratio of 13.0 percent.
Asset Mix:
Consumer loans (20%), home mtgs (9%), securities (5%), other (65%)
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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