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 (6.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 0.0 percent. A current level of 3.8 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Securities (85%), consumer loans (11%), other (3%)
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
Bridgewater, NJ
Nutley, NJ
Deptford Township, NJ