Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4. A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Excellent liquidity 8.2, driven by a liquidity ratio of 70.7 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (18%), other (82%)
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
Seven Richard Drive
Waldwick, NJ 07463
Waldwick, NJ 07463
Phone Number
(201) 447-6677
NCUA Charter Number
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