Back Mountain Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.7 and a net worth ratio of 27.7. A current level of 11.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Securities (43%), consumer loans (40%), home mtgs (5%), other (12%)
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
1501 Memorial Highway
Shavertown, PA 18708
Shavertown, PA 18708
Phone Number
(570) 696-1633
NCUA Charter Number
Website
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