Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.3 and a net worth ratio of 0.0. A current level of 3.1 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (9.5).
Asset Mix:
Consumer loans (24%), securities (6%), home mtgs (3%), other (67%)
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
10 Elizabethtown Plz - Fl3
Elizabeth, NJ 07202
Elizabeth, NJ 07202
Phone Number
(908) 527-4014
NCUA Charter Number
Largest Competitors
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ