Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.8 has resulted in Good (6.4) profitability. A current level of 15.4 percent of nonperforming loans to core capital combined with 15.4 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Securities (33%), home mtgs (22%), consumer loans (18%), 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
Philadelphia, PA
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Uniontown, PA
Uniontown, PA