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 (3.0 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 9.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.8 has resulted in Good (6.8) profitability. A current level of 10.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (32%), home mtgs (25%), comm loans (6%), other (36%)
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
1301 Parkway Avenue
Ewing, NJ 08628
Ewing, NJ 08628
Phone Number
(609) 538-4061
NCUA Charter Number
Website
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