Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.2 and a net worth ratio of 15.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 42.1 percent and a “hot money” ratio of 6.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (16%), home mtgs (3%), other (81%)
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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