Pennsylvania Central Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Good (7.0) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Good asset quality (6.5). Good liquidity 5.4, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Consumer loans (48%), home mtgs (5%), securities (2%), other (45%)
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
959 East Park Drive
Harrisburg, PA 17111
Harrisburg, PA 17111
Phone Number
(717) 564-4661
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA