Development
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 16.0. A current level of 4.0 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Consumer loans (13%), securities (10%), home mtgs (10%), other (68%)
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
3720 Hamilton Boulevard
Allentown, PA 18103
Allentown, PA 18103
Phone Number
(610) 820-0145
NCUA Charter Number
Website
Largest Competitors
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA