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 (1.6 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.0.
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Good (6.7) profitability. Excellent liquidity 7.8, driven by a liquidity ratio of 75.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (26%), other (74%)
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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