Messiah Baptist Church Federal Credit Union
Major Rating Factors:
A current level of 16.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability. Good liquidity 6.4, driven by a liquidity ratio of 64.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), other (67%)
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