Major Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.6). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 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 Good overall stability index (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (16%), other (50%)
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
2154 East Lake Road
Erie, PA 16511
Erie, PA 16511
Phone Number
(814) 456-6231
NCUA Charter Number
Website
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA