Raritan Bay Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 0.0. Fair liquidity 4.3, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 2.9 percent.
Asset Mix:
Securities (26%), consumer loans (15%), home mtgs (0%), other (59%)
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
491 Raritan Street
Sayreville, NJ 08872
Sayreville, NJ 08872
Phone Number
(732) 727-3500
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Sayreville, NJ