Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 12.5. A current level of 7.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Operating profits as a percentage of assets at 4.3%, coupled with a return on assets of 4.1 has resulted in Good (6.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Securities (56%), consumer loans (11%), home mtgs (10%), other (23%)
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
60 Lansdowne Road JBMDL
Lakehurst, NJ 08733
Lakehurst, NJ 08733
Phone Number
(732) 323-2496
NCUA Charter Number
Website
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