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 (0.5 on a scale of 0 to 10) based on a net capital to total assets of 3.9 and a net worth ratio of 7.4.
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Consumer loans (7%), other (93%)
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
2430 Hamilton Avenue
Hamilton, NJ 08619
Hamilton, NJ 08619
Phone Number
(609) 838-2847
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
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Hamilton, NJ
Hamilton, NJ