Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.0) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Asset Mix:
Home mtgs (25%), consumer loans (9%), comm loans (1%), other (66%)
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
129 Penn Avenue
Scranton, PA 18503
Scranton, PA 18503
Phone Number
(570) 348-9192
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Scranton, PA
Scranton, PA
Scranton, PA
Scranton, PA