Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Excellent asset quality (9.6). Weak liquidity 2.6, driven by a liquidity ratio of 13.3 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Home mtgs (40%), consumer loans (16%), other (44%)
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
600 Alexander Park
Princeton, NJ 08540
Princeton, NJ 08540
Phone Number
(609) 945-6200
NCUA Charter Number
Website
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