Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.5 and a net worth ratio of 14.5. A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 11.4%, coupled with a return on assets of 11.0 has resulted in Excellent (10.0) profitability. Excellent liquidity 8.4, driven by a liquidity ratio of 103.7 percent and a “hot money” ratio of 16.4 percent.
Asset Mix:
Consumer loans (4%), home mtgs (2%), other (94%)
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) 393-2351
NCUA Charter Number
Largest Competitors
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA