Union Building Trades Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 12.5. A current level of 6.0 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Securities (43%), consumer loans (15%), home mtgs (9%), other (33%)
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
205 Cherry Hill Road
Parsippany, NJ 07054
Parsippany, NJ 07054
Phone Number
(973) 263-0001
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
Parsippany, NJ
Parsippany, NJ