Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 13.1. A current level of 2.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.1) profitability. Excellent liquidity 7.2, driven by a liquidity ratio of 43.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (20%), other (80%)
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
445 West Philadelphia Street
York, PA 17401
York, PA 17401
Phone Number
(717) 852-1390
NCUA Charter Number
Largest Competitors
Philadelphia, PA
York, PA
York, PA
York, PA