Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.8. A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 31.2 percent and a “hot money” ratio of 3.1 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (12%), home mtgs (3%), other (85%)
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
123 Bethlehem Pike
Colmar, PA 18915
Colmar, PA 18915
Phone Number
(215) 822-9119
NCUA Charter Number
Website
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