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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability.
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.9). Fair liquidity 4.0, driven by a liquidity ratio of 11.9 percent and a “hot money” ratio of 4.7 percent.
Asset Mix:
Consumer loans (39%), home mtgs (5%), other (56%)
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
532 Oakridge Drive
Johnstown, PA 15904
Johnstown, PA 15904
Phone Number
(814) 266-4987
NCUA Charter Number
Website
Largest Competitors
Johnstown, PA
Johnstown, PA
Johnstown, PA
Johnstown, PA
Johnstown, PA