Major 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 (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 49.1 and a net worth ratio of 0.0. A current level of 4.4 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (50%), securities (14%), other (37%)
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
One Police Plaza
Elizabeth, NJ 07201
Elizabeth, NJ 07201
Phone Number
(908) 558-2085
NCUA Charter Number
Largest Competitors
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ