Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent liquidity 8.1, driven by a liquidity ratio of 79.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (24%), home mtgs (1%), other (75%)
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
1812 Ligonier Street
Latrobe, PA 15650
Latrobe, PA 15650
Phone Number
(724) 537-2734
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA