Pennsylvania State Employees CU
Major Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.4. A current level of 6.3 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 2.5 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (46%), home mtgs (22%), 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
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