New Jersey Community 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 Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 8.2. A current level of 18.1 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (24%), consumer loans (16%), home mtgs (12%), other (48%)
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
144 West Route 38
Moorestown, NJ 08057
Moorestown, NJ 08057
Phone Number
(856) 235-2077
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
Moorestown, NJ
Moorestown, NJ