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 (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (2.0) profitability.
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.3.
Asset Mix:
Home mtgs (13%), consumer loans (13%), other (73%)
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
962 Billingsport Road
Gibbstown, NJ 08027
Gibbstown, NJ 08027
Phone Number
(856) 423-1469
NCUA Charter Number
Website
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