Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0. A current level of 2.6 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 0.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (26%), securities (13%), home mtgs (2%), other (60%)
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
4101 Main Street
Erie, PA 16511
Erie, PA 16511
Phone Number
(814) 899-6608
NCUA Charter Number
Website
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA