Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 42.0 and a net worth ratio of 42.0. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.1, driven by a liquidity ratio of 137.1 percent and a “hot money” ratio of 7.6 percent. Operating profits as a percentage of assets at 4.4%, coupled with a return on assets of 3.7 has resulted in Excellent (7.3) profitability.
Asset Mix:
Consumer loans (8%), other (92%)
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
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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
51 South Duke Street
Lancaster, PA 17602
Lancaster, PA 17602
Phone Number
(717) 393-2381
NCUA Charter Number
Website
Largest Competitors
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA