Liberty Savings Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 0.0. A current level of 8.8 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability.
Asset Mix:
Consumer loans (35%), securities (18%), home mtgs (9%), other (38%)
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
666 Newark Avenue
Jersey City, NJ 07306
Jersey City, NJ 07306
Phone Number
(201) 659-3900
NCUA Charter Number
Website
Largest Competitors
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ