County Excellence Federal Credit Union
Major Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 8.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (24%), consumer loans (21%), home mtgs (15%), other (40%)
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
16 East Lincoln Avenue
Roselle Park, NJ 07204
Roselle Park, NJ 07204
Phone Number
(908) 245-0173
NCUA Charter Number
Website
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