Pennsylvania Central Federal Credit Union
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 (3.2 on a scale of 0 to 10). A current level of 9.6 percent of nonperforming loans to core capital combined with 14.5 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 8.6. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (62%), home mtgs (5%), securities (2%), other (30%)
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
