Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 11.3.
Other Rating Factors:
Excellent liquidity 7.3, driven by a liquidity ratio of 59.3 percent and a “hot money” ratio of 3.9 percent. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.3) profitability.
Asset Mix:
Consumer loans (13%), securities (11%), home mtgs (1%), other (75%)
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
16 East Main Street
Leola, PA 17540
Leola, PA 17540
Phone Number
(717) 295-6685
NCUA Charter Number
Website
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