Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 11.9. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Good liquidity 6.2, driven by a liquidity ratio of 29.3 percent and a “hot money” ratio of 2.1 percent.
Asset Mix:
Consumer loans (25%), securities (7%), home mtgs (5%), other (62%)
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
1152 Franklin Street
Johnstown, PA 15905
Johnstown, PA 15905
Phone Number
(814) 535-2606
NCUA Charter Number
Website
Largest Competitors
Johnstown, PA
Johnstown, PA
Johnstown, PA
Johnstown, PA
Johnstown, PA