Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.5). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (22%), consumer loans (21%), securities (16%), other (41%)
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
Altoona, PA
Altoona, PA
Altoona, PA
Altoona, PA
Altoona, PA