Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 and a net worth ratio of 13.5. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (23%), comm loans (8%), securities (4%), other (41%)
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
468 Industrial Way West
Eatontown, NJ 07724
Eatontown, NJ 07724
Phone Number
(732) 380-3600
NCUA Charter Number
Website
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