HMC (NJ) Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.0 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 26.7 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (28%), other (72%)
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
84 Park Avenue
Flemington, NJ 08822
Flemington, NJ 08822
Phone Number
(908) 483-5767
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Ewing, NJ