Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 12.4. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Excellent (8.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). A current level of 10.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Securities (35%), home mtgs (17%), consumer loans (15%), comm loans (0%), other (32%)
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
235 Pittsburgh Street
Uniontown, PA 15401
Uniontown, PA 15401
Phone Number
(724) 438-5123
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Uniontown, PA