Union Building Trades Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 12.8. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 13.7 percent and a “hot money” ratio of 5.2 percent.
Asset Mix:
Securities (21%), consumer loans (13%), home mtgs (9%), other (56%)
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
Branchburg, NJ
Parsippany, NJ
Parsippany, NJ