Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). A current level of 26.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 19.1 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 7.6.
Asset Mix:
Consumer loans (27%), home mtgs (26%), securities (3%), other (44%)
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
37 Ferry Lane
Milton, PA 17847
Milton, PA 17847
Phone Number
(570) 742-3903
NCUA Charter Number
Website
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