Major Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 10.7.
Other 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 (4.3 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 13.0 percent.
Asset Mix:
Home mtgs (22%), consumer loans (16%), comm loans (3%), securities (3%), other (56%)
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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