Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 9.5. Fair liquidity 4.1, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 0.8 percent.
Asset Mix:
Home mtgs (19%), consumer loans (15%), other (66%)
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
195 Norman Road
Newark, NJ 07106
Newark, NJ 07106
Phone Number
(973) 375-9182
NCUA Charter Number
Website
Largest Competitors
Newark, NJ
Newark, NJ
Newark, NJ
Newark, NJ