Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.1. A current level of 11.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
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 (6.5 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 27.5 percent and a “hot money” ratio of 11.3 percent.
Asset Mix:
Securities (26%), consumer loans (24%), home mtgs (17%), other (33%)
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
1970 Elmira Street
Sayre, PA 18840
Sayre, PA 18840
Phone Number
(570) 888-7121
NCUA Charter Number
Website
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