Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 11.9. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 23.1 percent and a “hot money” ratio of 3.0 percent.
Asset Mix:
Consumer loans (25%), home mtgs (8%), comm loans (2%), other (64%)
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
20E East Roseville Rd
Lancaster, PA 17601
Lancaster, PA 17601
Phone Number
(717) 569-9621
NCUA Charter Number
Website
Largest Competitors
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA