Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.9. A current level of 2.3 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Good liquidity 5.9, driven by a liquidity ratio of 38.0 percent and a “hot money” ratio of 1.4 percent.
Asset Mix:
Consumer loans (35%), home mtgs (12%), other (53%)
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
414 Ford Street
Ford City, PA 16226
Ford City, PA 16226
Phone Number
(724) 763-1172
NCUA Charter Number
Website
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