Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 0.0. A current level of 2.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.9).
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 (7.6 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 27.3 percent and a “hot money” ratio of 12.8 percent.
Asset Mix:
Consumer loans (26%), home mtgs (12%), securities (5%), other (57%)
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
5080 McLester Street
Elizabeth, NJ 07201
Elizabeth, NJ 07201
Phone Number
(908) 558-6124
NCUA Charter Number
Website
Largest Competitors
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ