Major Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.5). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Good liquidity 5.0, driven by a liquidity ratio of 19.7 percent and a “hot money” ratio of 0.6 percent.
Asset Mix:
Consumer loans (25%), home mtgs (3%), other (73%)
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
29 Emmons Drive
Princeton, NJ 08540
Princeton, NJ 08540
Phone Number
(609) 951-0700
NCUA Charter Number
Website
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