Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 8.7 percent of nonperforming loans to core capital combined with 31.4 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 55.6 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 8.9.
Asset Mix:
Consumer loans (42%), other (58%)
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
778 Beatty Avenue
Knox, PA 16232
Knox, PA 16232
Phone Number
(814) 797-5768
NCUA Charter Number
Website
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