Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A current level of 4.4 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 42.5 percent and a “hot money” ratio of 16.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Securities (55%), consumer loans (12%), home mtgs (10%), other (22%)
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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