Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.6) profitability.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 30.0 percent and a “hot money” ratio of 5.7 percent. A current level of 13.6 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (17%), home mtgs (4%), other (79%)
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
5321 William Flynn Highway
Gibsonia, PA 15044
Gibsonia, PA 15044
Phone Number
(724) 444-8181
NCUA Charter Number
Website
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