Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability. Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.9). Weak liquidity 2.6, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Consumer loans (27%), home mtgs (16%), other (57%)
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
(267) 548-7002
NCUA Charter Number
Website
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