Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 20.8 percent and a “hot money” ratio of 6.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (67%), other (33%)
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
1033 Main Street
Wampum, PA 16157
Wampum, PA 16157
Phone Number
(724) 740-1444
NCUA Charter Number
Website
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