Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (5.4) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.8.
Asset Mix:
Home mtgs (44%), consumer loans (28%), other (27%)
Corporate Info
520 Eagleview Boulevard
Exton, PA 19341
Exton, PA 19341
(610) 380-6000
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