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). Very Weak current capitalization (0.4 on a scale of 0 to 10) based on a net capital to total assets of 3.7 and a net worth ratio of 5.8.
Other Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability. Weak liquidity 2.7, driven by a liquidity ratio of 4.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (25%), home mtgs (25%), other (49%)
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
Basking Ridge, NJ
Rahway, NJ
Hamilton, NJ
Hamilton, NJ