Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 11.9. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Good liquidity 6.8, driven by a liquidity ratio of 61.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (18%), home mtgs (16%), consumer loans (12%), other (54%)
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
1431 Valley View Boulevard
Altoona, PA 16602
Altoona, PA 16602
Phone Number
(814) 946-3045
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Altoona, PA
Altoona, PA
Altoona, PA
Altoona, PA