Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.8) profitability. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 7.8.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Fair liquidity 4.5, driven by a liquidity ratio of 10.5 percent and a “hot money” ratio of 7.7 percent.
Asset Mix:
Consumer loans (21%), home mtgs (9%), securities (1%), comm loans (0%), other (70%)
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
2400 Pleasant Valley Road
York, PA 17402
York, PA 17402
Phone Number
(717) 840-4981
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
York, PA
York, PA
York, PA