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 (1.7 on a scale of 0 to 10). Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 20.1 percent and a “hot money” ratio of 0.4 percent. A current level of 30.7 percent of nonperforming loans to core capital combined with 30.7 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (29%), securities (20%), home mtgs (7%), other (44%)
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
391 Route Nine North
Freehold, NJ 07728
Freehold, NJ 07728
Phone Number
(732) 312-1500
NCUA Charter Number
Website
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