Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 3.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.7) profitability. Good liquidity 5.1, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 19.3 percent.
Asset Mix:
Consumer loans (9%), other (91%)
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
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Hamilton, NJ