Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 52.4 percent and a “hot money” ratio of 10.9 percent. A current level of 3.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Consumer loans (25%), home mtgs (13%), other (62%)
Corporate Info
700 Washington Avenue
Carnegie, PA 15106
Carnegie, PA 15106
(412) 481-1865
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