Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.2 and a net worth ratio of 26.2. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Excellent (8.0) profitability. Good liquidity 6.6, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Home mtgs (14%), securities (13%), consumer loans (8%), other (64%)
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
1286 East 38th Street
Erie, PA 16504
Erie, PA 16504
Phone Number
(814) 825-6763
NCUA Charter Number
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA
Erie, PA