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 11.8. A current level of 5.9 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.4 has resulted in Excellent (7.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (42%), home mtgs (11%), 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
5000 Marketplace Way
Enola, PA 17025
Enola, PA 17025
Phone Number
(717) 697-1161
NCUA Charter Number
Website
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