Bridgeton Onized 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 Weak overall stability index (1.9 on a scale of 0 to 10). A current level of 20.5 percent of nonperforming loans to core capital combined with 20.3 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 25.3 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 8.0.
Asset Mix:
Consumer loans (60%), home mtgs (12%), securities (6%), other (22%)
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
339 Main Street
Cedarville, NJ 08311
Cedarville, NJ 08311
Phone Number
(856) 692-4000
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
Nutley, NJ
Deptford Township, NJ