Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 8.0. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (25%), securities (5%), comm loans (2%), other (36%)
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
1615 Hurffville Road
Deptford, NJ 08096
Deptford, NJ 08096
Phone Number
(856) 232-9000
NCUA Charter Number
Website
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