Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 29.7 percent and a “hot money” ratio of 0.0 percent. A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Asset Mix:
Securities (57%), consumer loans (27%), other (16%)
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
411 Irvington Avenue
Elizabeth, NJ 07208
Elizabeth, NJ 07208
Phone Number
(908) 351-7770
NCUA Charter Number
Website
Largest Competitors
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ
Elizabeth, NJ