Garden State Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Fair (3.0) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 11.4. A current level of 13.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Asset Mix:
Home mtgs (28%), consumer loans (19%), securities (7%), other (46%)
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
144 West Route 38
Moorestown, NJ 08057
Moorestown, NJ 08057
Phone Number
(856) 235-4096
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Moorestown, NJ
Moorestown, NJ