Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.1) profitability. A current level of 13.9 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (6.0).
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. Excellent liquidity 7.4, driven by a liquidity ratio of 70.1 percent and a “hot money” ratio of 1.8 percent.
Asset Mix:
Consumer loans (32%), other (68%)
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
New Bridge Center
Kingston, PA 18704
Kingston, PA 18704
Phone Number
(570) 714-1685
NCUA Charter Number
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Philadelphia, PA