Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.0) profitability. A current level of 19.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.1).
Other 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 (5.0 on a scale of 0 to 10). Good liquidity 5.0, driven by a liquidity ratio of 41.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (58%), other (42%)
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
271 Armbrust Road
Youngwood, PA 15697
Youngwood, PA 15697
Phone Number
(724) 925-9354
NCUA Charter Number
Largest Competitors
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