Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 85.1 percent and a “hot money” ratio of 0.0 percent. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3).
Asset Mix:
Securities (70%), consumer loans (13%), other (17%)
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
645 Kearny Avenue
Kearny, NJ 07032
Kearny, NJ 07032
Phone Number
(201) 997-8434
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Parsippany, NJ