Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 0.0. A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Securities (49%), home mtgs (9%), consumer loans (1%), other (40%)
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
126 East Lincoln Avenue
Rahway, NJ 07065
Rahway, NJ 07065
Phone Number
(732) 594-3317
NCUA Charter Number
Website
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