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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 10.0 percent and a “hot money” ratio of 0.0 percent. A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (81%), other (19%)
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
Hooker Fulton Building
Bradford, PA 16701
Bradford, PA 16701
Phone Number
(814) 368-5595
NCUA Charter Number
Website
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