Central Jersey Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.4. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Securities (30%), consumer loans (19%), home mtgs (4%), other (47%)
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
380 Berry Street
Woodbridge, NJ 07095
Woodbridge, NJ 07095
Phone Number
(732) 634-0600
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Woodbridge, NJ