B
Southern Middlesex Co Tchrs Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
11.07
Leverage
Ratio
10.93
Return On
Assets
1.09%
Total
Assets
43.70M
Capital
4.84M
Total
Deposits
38.85M
Net
Income
374.00K
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Weiss Ratings Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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Rating B
Asset Quality Index 5.50
Capitalization Index 9.30
Liquidity Index 5.00
Profitability Index 6.20
Stability Index 4.90
Company Info Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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NCUA Charter Number 1008
Phone Number (732) 238-8662
Website www.myfavoritecu.com/
Asset Quality Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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1-Year Asset Growth 0.73%
5-Year Asset Growth 5.19%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 9.95%
Non-Performing Loans to Loans 3.73%
Balance Sheet Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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Total Assets 43.70M
Total Deposits 38.85M
Capital and Reserves Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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Capital 4.84M
Leverage Ratio 10.93
Loan Loss Reserves to Loans 0.74%
Liquidity Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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Hot Money Ratio 8.05%
Liquidity Ratio 28.12%
Profitability Southern Middlesex Co Tchrs Federal Credit Union
East Brunswick, NJ 		Click to
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5-Year Return on Average Assets 0.36%
Net Income 374.00K
Net Interest Spread 2.83%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 57.56%
Return on Assets 1.09%
Return on Equity 11.20%