Major Rating Factors:
A current level of 39.8 percent of nonperforming loans to core capital combined with 38.2 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
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). Good liquidity 5.1, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 1.3 percent.
Asset Mix:
Consumer loans (13%), securities (12%), home mtgs (8%), other (67%)
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
Largest Competitors
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