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 Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 7.7 percent. A current level of 16.7 percent of nonperforming loans to core capital combined with 16.7 percent from a year earlier contributes to the Good asset quality (5.0).
Asset Mix:
Consumer loans (25%), home mtgs (19%), securities (13%), other (42%)
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
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Moorestown, NJ
Moorestown, NJ