PennTech Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 0.0. A current level of 5.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (41%), other (59%)
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
409 Center Street
Johnsonburg, PA 15845
Johnsonburg, PA 15845
Phone Number
(814) 965-4311
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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