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 (4.4 on a scale of 0 to 10). Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (3.6) profitability.
Asset Mix:
Home mtgs (30%), consumer loans (26%), other (44%)
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
120 South 16th Street
Lebanon, PA 17042
Lebanon, PA 17042
Phone Number
(717) 272-2210
NCUA Charter Number
Website
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