Rutgers Federal Credit Union
Major 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 (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (6.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A current level of 4.8 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Securities (60%), consumer loans (14%), home mtgs (8%), other (18%)
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
85 Davidson Road
Piscataway, NJ 08854
Piscataway, NJ 08854
Phone Number
(732) 445-3050
NCUA Charter Number
Website
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