Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.3. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) 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 Weak overall stability index (2.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), consumer loans (27%), securities (6%), comm loans (2%), other (39%)
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
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Ewing, NJ