Major Rating Factors:
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. Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 0.0.
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 (8.5 on a scale of 0 to 10). A current level of 6.0 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Home mtgs (23%), securities (22%), consumer loans (19%), other (35%)
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