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 (4.0 on a scale of 0 to 10). A current level of 18.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 17.3 percent and a “hot money” ratio of 4.2 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (26%), consumer loans (21%), securities (8%), 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
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Moorestown, NJ
Moorestown, NJ