Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (18%), other (54%)
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
6126 Hamilton Boulevard
Allentown, PA 18106
Allentown, PA 18106
Phone Number
(610) 821-2400
NCUA Charter Number
Website
Largest Competitors
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA