Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 8.9 percent and a “hot money” ratio of 7.3 percent. A current level of 8.1 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (57%), home mtgs (19%), securities (6%), other (18%)
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
611 Centerville Road
Lancaster, PA 17601
Lancaster, PA 17601
Phone Number
(717) 898-7673
NCUA Charter Number
Website
Largest Competitors
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA
Lancaster, PA