Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (4%), 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