Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.3 and a net worth ratio of 15.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 40.9 percent and a “hot money” ratio of 5.9 percent. A current level of 16.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (14%), home mtgs (3%), other (83%)
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
101 Northtowne Sq
Gibsonia, PA 15044
Gibsonia, PA 15044
Phone Number
(724) 444-8181
NCUA Charter Number
Website
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