Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Weak (1.0) profitability. Weak current capitalization (1.8 on a scale of 0 to 10) based on a net capital to total assets of 4.8 and a net worth ratio of 8.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 18.6 percent and a “hot money” ratio of 4.5 percent.
Asset Mix:
Consumer loans (37%), home mtgs (6%), other (58%)
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
1129 State Street
Erie, PA 16501
Erie, PA 16501
Phone Number
(814) 455-6400
NCUA Charter Number
Website
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA