Hidden River Credit Union
Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (9.3). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.4) profitability. Good liquidity 5.3, driven by a liquidity ratio of 26.3 percent and a “hot money” ratio of 5.0 percent.
Asset Mix:
Consumer loans (21%), securities (19%), home mtgs (12%), other (48%)
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
60 Westwood Road
Pottsville, PA 17901
Pottsville, PA 17901
Phone Number
(570) 622-3399
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Pottsville, PA