Advanced Financial Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 0.0. A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 25.6 percent and a “hot money” ratio of 10.6 percent.
Asset Mix:
Home mtgs (22%), consumer loans (7%), securities (6%), other (65%)
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
785 Central Avenue
New Providence, NJ 07974
New Providence, NJ 07974
Phone Number
(908) 771-0300
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
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