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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 12.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Asset Mix:
Home mtgs (31%), consumer loans (13%), securities (8%), comm loans (4%), 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
40 West Century Road
Paramus, NJ 07652
Paramus, NJ 07652
Phone Number
(201) 599-5500
NCUA Charter Number
Website
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