Pennsylvania State Employees CU
Major 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 (7.5 on a scale of 0 to 10). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 10.2.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (48%), home mtgs (23%), other (29%)
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
1500 Elmerton Avenue
Harrisburg, PA 17110
Harrisburg, PA 17110
Phone Number
(800) 237-7328
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA
