Major Rating Factors:
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 7.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (9%), securities (0%), comm loans (0%), other (68%)
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