Major Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Fair liquidity 5.0, driven by a liquidity ratio of 34.6 percent and a “hot money” ratio of 9.5 percent.
Asset Mix:
Home mtgs (25%), consumer loans (10%), securities (3%), other (62%)
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
100 Mineral Springs Road
Dover, NJ 07801
Dover, NJ 07801
Phone Number
(973) 361-5225
NCUA Charter Number
Website
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