Major Rating Factors:
A current level of 20.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.5 and a net worth ratio of 15.5. Good liquidity 6.6, driven by a liquidity ratio of 37.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (20%), consumer loans (9%), other (71%)
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
1006 Pittston Avenue
Scranton, PA 18505
Scranton, PA 18505
Phone Number
(570) 344-1513
NCUA Charter Number
Largest Competitors
Philadelphia, PA
Scranton, PA
Scranton, PA
Scranton, PA
Scranton, PA