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 (5.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 44.3 percent and a “hot money” ratio of 0.0 percent. A current level of 5.7 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Securities (38%), consumer loans (37%), other (25%)
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
800 Wyoming Avenue
Wyoming, PA 18644
Wyoming, PA 18644
Phone Number
(570) 693-2545
NCUA Charter Number
Website
Largest Competitors
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