Development
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 (3.5 on a scale of 0 to 10). Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Excellent asset quality (7.4). Fair liquidity 3.6, driven by a liquidity ratio of 24.9 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (27%), home mtgs (14%), other (59%)
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
740 West Hamilton Street
Allentown, PA 18101
Allentown, PA 18101
Phone Number
(610) 797-7440
NCUA Charter Number
Website
Largest Competitors
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA