Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability. Good liquidity 6.3, driven by a liquidity ratio of 33.3 percent and a “hot money” ratio of 3.1 percent.
Asset Mix:
Consumer loans (14%), home mtgs (3%), other (84%)
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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