Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Weak (2.1) profitability. 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 9.3.
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (42%), consumer loans (27%), comm loans (8%), other (23%)
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
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
520 Eagleview Boulevard
Exton, PA 19341
Exton, PA 19341
Phone Number
(610) 380-6000
NCUA Charter Number
Website
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