Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.2 and a net worth ratio of 0.0. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 8.8%, coupled with a return on assets of 8.4 has resulted in Excellent (10.0) profitability. 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 (3%), other (97%)
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