Major Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10). A current level of 7.7 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (9%), other (91%)
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
310 East Eighth Avenue
Roselle, NJ 07203
Roselle, NJ 07203
Phone Number
(908) 241-5588
NCUA Charter Number
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