Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 and a net worth ratio of 13.6. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (34%), home mtgs (24%), consumer loans (8%), other (34%)
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
8535 New Falls Road
Levittown, PA 19054
Levittown, PA 19054
Phone Number
(267) 580-0230
NCUA Charter Number
Website
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