Jersey Shore Federal Credit Union
Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 9.5. 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).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (15%), home mtgs (15%), comm loans (9%), other (62%)
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
1434 New Road
Northfield, NJ 08225
Northfield, NJ 08225
Phone Number
(609) 646-3339
NCUA Charter Number
Website
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