Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 62.9 percent and a “hot money” ratio of 0.0 percent. A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Home mtgs (24%), consumer loans (8%), other (68%)
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