Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (1.1) profitability.
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (34%), securities (28%), home mtgs (4%), other (34%)
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
37 West Landis Avenue
Vineland, NJ 08360
Vineland, NJ 08360
Phone Number
(856) 696-0767
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
Nutley, NJ
Vineland, NJ