Major Rating Factors:
A current level of 17.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (5.0).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1. Weak liquidity 2.7, driven by a liquidity ratio of 10.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (40%), home mtgs (25%), consumer loans (17%), other (18%)
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
19 Kilmer Road
Edison, NJ 08817
Edison, NJ 08817
Phone Number
(732) 985-4618
NCUA Charter Number
Website
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