Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 12.8.
Asset Mix:
Securities (47%), home mtgs (8%), consumer loans (1%), 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
126 East Lincoln Avenue
Rahway, NJ 07065
Rahway, NJ 07065
Phone Number
(732) 594-3317
NCUA Charter Number
Website
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