Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.0 and a net worth ratio of 0.0. A current level of 7.4 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Excellent asset quality (7.1).
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 (7.0 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 38.2 percent and a “hot money” ratio of 6.9 percent.
Asset Mix:
Securities (36%), consumer loans (18%), home mtgs (15%), other (31%)
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
2000 Main Street
Aliquippa, PA 15001
Aliquippa, PA 15001
Phone Number
(724) 375-0488
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Aliquippa, PA
Aliquippa, PA