Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 12.4. Excellent liquidity 7.5, driven by a liquidity ratio of 238.7 percent and a “hot money” ratio of 19.9 percent.
Asset Mix:
Consumer loans (4%), other (96%)
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
1017 State Route 33
Freehold, NJ 07728
Freehold, NJ 07728
Phone Number
(732) 336-0033
NCUA Charter Number
Largest Competitors
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Freehold, NJ
Freehold, NJ