Messiah Baptist Church Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.9) profitability. A current level of 21.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0. Good liquidity 5.5, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (45%), securities (2%), other (53%)
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