Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.9. Good liquidity 5.5, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 0.4 percent.
Asset Mix:
Consumer loans (17%), home mtgs (7%), other (76%)
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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