Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 20.9 percent and a “hot money” ratio of 0.1 percent. A current level of 25.1 percent of nonperforming loans to core capital combined with 30.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (29%), securities (18%), home mtgs (7%), other (46%)
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 US Highway 9
Freehold, NJ 07728
Freehold, NJ 07728
Phone Number
(732) 312-1500
NCUA Charter Number
Website
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