Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 6.6. Fair liquidity 3.8, driven by a liquidity ratio of 35.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (58%), consumer loans (24%), home mtgs (4%), other (13%)
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
106 Fleming Avenue
Newark, NJ 07105
Newark, NJ 07105
Phone Number
(973) 589-7199
NCUA Charter Number
Website
Largest Competitors
Newark, NJ
Newark, NJ
Newark, NJ
Newark, NJ