Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Excellent (9.3) profitability. A current level of 7.2 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (18%), other (53%)
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
390 Walnut Street
Danville, PA 17821
Danville, PA 17821
Phone Number
(570) 275-6155
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Danville, PA
Danville, PA