Major 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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent liquidity 7.9, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (11%), home mtgs (1%), other (87%)
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
637 North Center Street
Corry, PA 16407
Corry, PA 16407
Phone Number
(814) 664-7010
NCUA Charter Number
Website
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