Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.5. A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.8) profitability. Good liquidity 5.6, driven by a liquidity ratio of 47.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (48%), securities (17%), other (35%)
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
415 Colfax Avenue
Scranton, PA 18510
Scranton, PA 18510
Phone Number
(570) 348-2140
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Scranton, PA
Scranton, PA
Scranton, PA
Scranton, PA