Development
Major Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), consumer loans (25%), securities (7%), 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
349 West Roseville Road
Lancaster, PA 17601
Lancaster, PA 17601
Phone Number
(717) 569-7180
NCUA Charter Number
Website
Largest Competitors
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA