Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.2 percent of nonperforming loans to core capital combined with 22.4 percent from a year earlier contributes to the Good asset quality (6.3). Fair liquidity 3.6, driven by a liquidity ratio of 14.2 percent and a “hot money” ratio of 3.4 percent.
Asset Mix:
Home mtgs (28%), consumer loans (19%), securities (1%), other (52%)
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
711 Union Boulevard
Totowa, NJ 07512
Totowa, NJ 07512
Phone Number
(973) 785-9200
NCUA Charter Number
Website
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