Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.7.
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 (6.8 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Consumer loans (37%), home mtgs (15%), comm loans (2%), other (46%)
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