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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.4). Good liquidity 6.9, driven by a liquidity ratio of 38.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (22%), home mtgs (6%), other (72%)
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
833 Washington Street
Reading, PA 19601
Reading, PA 19601
Phone Number
(610) 373-3840
NCUA Charter Number
Website
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