Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Excellent (10.0) profitability.
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 (8.6 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Asset Mix:
Securities (24%), home mtgs (23%), consumer loans (19%), other (34%)
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
1919 Seventh Avenue
Altoona, PA 16602
Altoona, PA 16602
Phone Number
(814) 946-0857
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Altoona, PA
Altoona, PA
Altoona, PA
Altoona, PA