Montoursville Area Federal Credit Union
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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.3 has resulted in Good (6.7) profitability.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 27.9 percent and a “hot money” ratio of 0.0 percent. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (35%), other (65%)
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
999 North Loyalsock Avenue
Montoursville, PA 17754
Montoursville, PA 17754
Phone Number
(570) 368-7401
NCUA Charter Number
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