Major Rating Factors:
A current level of 30.2 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 0.0. Good liquidity 6.4, driven by a liquidity ratio of 39.2 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Consumer loans (22%), home mtgs (16%), other (62%)
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
100 Elizabeth Avenue
Teaneck, NJ 07666
Teaneck, NJ 07666
Phone Number
(201) 837-1316
NCUA Charter Number
Website
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