Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.3) profitability. Good liquidity 6.4, driven by a liquidity ratio of 35.2 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (13%), 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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