Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.4 and a net worth ratio of 0.0. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Excellent liquidity 7.8, driven by a liquidity ratio of 45.7 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Consumer loans (17%), home mtgs (1%), other (81%)
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
2613 Ligonier Street
Latrobe, PA 15650
Latrobe, PA 15650
Phone Number
(724) 539-9744
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA