Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 52.6 and a net worth ratio of 52.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (9%), other (91%)
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
251 North Fourth Street
Hamburg, PA 19526
Hamburg, PA 19526
Phone Number
(610) 562-4257
NCUA Charter Number
Largest Competitors
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