Glatco Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (8.1) profitability.
Other Rating Factors:
Excellent liquidity 7.9, driven by a liquidity ratio of 57.2 percent and a “hot money” ratio of 0.0 percent. A current level of 5.8 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Consumer loans (13%), securities (8%), home mtgs (3%), other (76%)
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
53 South Main Street
Spring Grove, PA 17362
Spring Grove, PA 17362
Phone Number
(717) 225-4548
NCUA Charter Number
Website
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