Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (9.3). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 17.1 percent and a “hot money” ratio of 3.9 percent.
Asset Mix:
Consumer loans (35%), securities (20%), home mtgs (12%), other (33%)
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
3498 Industrial Drive
York, PA 17402
York, PA 17402
Phone Number
(717) 755-9773
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
York, PA
York, PA
York, PA