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 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 108.3 percent and a “hot money” ratio of 23.1 percent. An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0).
Asset Mix:
Consumer loans (4%), other (96%)
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