Major Rating Factors:
Fair current capitalization (3.0 on a scale of 0 to 10) based on a net capital to total assets of 5.3 and a net worth ratio of 9.7. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 9.1 percent and a “hot money” ratio of 12.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (18%), other (47%)
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
3503 Peach Street
Erie, PA 16508
Erie, PA 16508
Phone Number
(814) 825-2436
NCUA Charter Number
Website
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA