Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (6.8) profitability. Fair liquidity 4.8, driven by a liquidity ratio of 41.3 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Securities (35%), consumer loans (16%), home mtgs (2%), other (46%)
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
1601 South Queen Street
York, PA 17403
York, PA 17403
Phone Number
(717) 843-1153
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
York, PA
York, PA
York, PA
York, PA