Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1.
Asset Mix:
Securities (33%), consumer loans (24%), home mtgs (11%), other (32%)
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
565 North Broadway
Deepwater, NJ 08023
Deepwater, NJ 08023
Phone Number
(856) 299-1279
NCUA Charter Number
Website
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