Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 9.0 percent and a “hot money” ratio of 9.3 percent. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 8.2.
Asset Mix:
Home mtgs (44%), consumer loans (19%), other (37%)
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
4703 Hamilton Boulevard
Allentown, PA 18103
Allentown, PA 18103
Phone Number
(484) 223-4200
NCUA Charter Number
Website
Largest Competitors
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA
Allentown, PA