Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.5 and a net worth ratio of 13.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (5.8) profitability.
Asset Mix:
Securities (31%), home mtgs (23%), consumer loans (19%), other (27%)
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
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Uniontown, PA