Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 0.0. A current level of 4.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent liquidity 7.7, driven by a liquidity ratio of 64.7 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (4%), 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
1089 Third Street
Beaver, PA 15009
Beaver, PA 15009
Phone Number
(724) 774-9237
NCUA Charter Number
Website
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