Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.9 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0).
Asset Mix:
Consumer loans (46%), securities (24%), other (30%)
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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