Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 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 an Excellent overall stability index (8.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (8.2). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Excellent (7.3) profitability.
Asset Mix:
Consumer loans (25%), home mtgs (13%), securities (0%), other (62%)
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
377 Wyoming Avenue
Wyoming, PA 18644
Wyoming, PA 18644
Phone Number
(570) 693-0500
NCUA Charter Number
Website
Largest Competitors
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