Development
Local 520 U A 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 (4.3 on a scale of 0 to 10). A current level of 8.8 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.0 and a net worth ratio of 17.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (56%), home mtgs (2%), other (42%)
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
7193 Jonestown Road
Harrisburg, PA 17112
Harrisburg, PA 17112
Phone Number
(717) 545-9329
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA
Harrisburg, PA