Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 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 a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 19.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6). Good liquidity 5.3, driven by a liquidity ratio of 25.6 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Consumer loans (36%), securities (14%), home mtgs (3%), other (47%)
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
568 S. Hermitage Rd.
Hermitage, PA 16148
Hermitage, PA 16148
Phone Number
(724) 981-9410
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Hermitage, PA