Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 0.0. A current level of 1.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Excellent liquidity 8.1, driven by a liquidity ratio of 61.7 percent and a “hot money” ratio of 3.5 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability.
Asset Mix:
Consumer loans (11%), home mtgs (4%), other (85%)
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
432 Depot Street
Latrobe, PA 15650
Latrobe, PA 15650
Phone Number
(724) 539-2858
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA
Latrobe, PA