Garden State Federal Credit Union
Major Rating Factors:
A current level of 40.1 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 4.5 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (24%), consumer loans (23%), securities (10%), other (44%)
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) 235-2077
NCUA Charter Number
Website
Largest Competitors
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Moorestown, NJ