Southern Middlesex Co Tchrs Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Excellent asset quality (8.4). Good liquidity 5.5, driven by a liquidity ratio of 37.4 percent and a “hot money” ratio of 6.3 percent.
Asset Mix:
Consumer loans (10%), home mtgs (10%), other (81%)
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
39 Brunswick Woods Drive
East Brunswick, NJ 08816
East Brunswick, NJ 08816
Phone Number
(732) 238-8662
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
Nutley, NJ
Deptford Township, NJ