Major Rating Factors:
A current level of 52.0 percent of nonperforming loans to core capital combined with 35.4 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other 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 (2.0 on a scale of 0 to 10). Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 9.5.
Asset Mix:
Consumer loans (41%), other (59%)
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
c/o BASF Corporation
Iselin, NJ 08830
Iselin, NJ 08830
Phone Number
(732) 205-5199
NCUA Charter Number
Website
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