Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 0.0. A current level of 2.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (7.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (13%), securities (8%), other (49%)
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