Major 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 (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.2 and a net worth ratio of 14.3. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Securities (50%), consumer loans (30%), home mtgs (8%), other (12%)
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
600 State Street
Clairton, PA 15025
Clairton, PA 15025
Phone Number
(412) 384-7088
NCUA Charter Number
Website
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