Major Rating Factors:
A current level of 33.4 percent of nonperforming loans to core capital combined with 33.4 percent from a year earlier contributes to the Fair asset quality (3.6).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 1.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Securities (14%), consumer loans (14%), home mtgs (9%), other (63%)
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
149 Saint George Avenue
Roselle, NJ 07203
Roselle, NJ 07203
Phone Number
(908) 245-1650
NCUA Charter Number
Website
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