Financial Resources Federal Credit Union
Major Rating Factors:
A current level of 29.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.9). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (1.7) profitability.
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (40%), comm loans (14%), consumer loans (12%), other (34%)
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
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