Messiah Baptist Church Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 12.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.8. Good liquidity 5.8, driven by a liquidity ratio of 47.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (40%), other (60%)
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
13-17 Oak Street
East Orange, NJ 07018
East Orange, NJ 07018
Phone Number
(973) 676-7374
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
East Orange, NJ