Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 11.1.
Other Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (7.7). Fair liquidity 4.3, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Consumer loans (22%), home mtgs (17%), securities (9%), other (52%)
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
104 North Elmer Avenue
Sayre, PA 18840
Sayre, PA 18840
Phone Number
(570) 888-7135
NCUA Charter Number
Website
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