Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 0.0.
Other 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 (4.9 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 27.8 percent and a “hot money” ratio of 1.2 percent.
Asset Mix:
Consumer loans (26%), securities (17%), home mtgs (17%), other (40%)
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
3850 Hartzdale Drive
Camp Hill, PA 17011
Camp Hill, PA 17011
Phone Number
(717) 737-4152
NCUA Charter Number
Website
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