Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 12.5. A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1).
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 Excellent (7.1) profitability. Good liquidity 5.8, driven by a liquidity ratio of 31.5 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Consumer loans (19%), home mtgs (3%), other (78%)
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
2317 Easton Avenue
Bethlehem, PA 18017
Bethlehem, PA 18017
Phone Number
(610) 691-0041
NCUA Charter Number
Website
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