Financial Resources Federal Credit Union
Major Rating Factors:
A current level of 22.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 9.5. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (46%), comm loans (15%), consumer loans (9%), other (31%)
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
3040 Route 22 West
Branchburg, NJ 08876
Branchburg, NJ 08876
Phone Number
(908) 253-6441
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Nutley, NJ
Parsippany, NJ
Ewing, NJ