Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). A current level of 53.0 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.7) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (23%), other (50%)
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
IBIS Plaza
Hamilton, NJ 08619
Hamilton, NJ 08619
Phone Number
(609) 631-4300
NCUA Charter Number
Website
Largest Competitors
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Hamilton, NJ