Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.4). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 8.7.
Asset Mix:
Home mtgs (54%), comm re (19%), securities (9%), consumer loans (5%), cash (3%), home eq lns (2%), comm loans (1%), other (8%)
States with Branches:
NJ
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
Group Affiliation
Crest Savings Bancorp, MHC
Investment Rating
--
Address
3301 Pacific Avenue
Wildwood, NJ 08260
Wildwood, NJ 08260
Phone Number
(609) 522-5115
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.