Major Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.2.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.1) profitability. Fair liquidity 4.8, driven by a liquidity ratio of 28.2 percent and a “hot money” ratio of 0.6 percent.
Asset Mix:
Consumer loans (17%), comm loans (8%), home mtgs (8%), other (67%)
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
101 West Elmer Road
Vineland, NJ 08360
Vineland, NJ 08360
Phone Number
(856) 696-2525
NCUA Charter Number
Website
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