Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 15.9 percent from a year earlier contributes to the Fair asset quality (4.7).
Other 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 (5.0 on a scale of 0 to 10). Good liquidity 5.8, driven by a liquidity ratio of 43.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (49%), other (51%)
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
600 Sloan Avenue
Hamilton, NJ 08619
Hamilton, NJ 08619
Phone Number
(609) 689-1765
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Hamilton, NJ
Hamilton, NJ
Hamilton, NJ