Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability. Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 10.3.
Other Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). Weak liquidity 2.8, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 18.8 percent.
Asset Mix:
Consumer loans (27%), home mtgs (16%), comm loans (14%), other (44%)
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
3 Friends Lane
Newtown, PA 18940
Newtown, PA 18940
Phone Number
(215) 788-5270
NCUA Charter Number
Website
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