Major Rating Factors:
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 0.0. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Fair liquidity 3.7, driven by a liquidity ratio of 16.1 percent and a “hot money” ratio of 15.2 percent.
Asset Mix:
Consumer loans (33%), home mtgs (17%), other (50%)
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
3503 Peach Street
Erie, PA 16508
Erie, PA 16508
Phone Number
(814) 825-2436
NCUA Charter Number
Website
Largest Competitors
Erie, PA
Erie, PA
Erie, PA
Erie, PA