Major Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8. Good liquidity 5.2, driven by a liquidity ratio of 31.6 percent and a “hot money” ratio of 3.1 percent.
Asset Mix:
Consumer loans (23%), securities (21%), home mtgs (3%), comm loans (2%), 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
37 West Landis Avenue
Vineland, NJ 08360
Vineland, NJ 08360
Phone Number
(856) 696-0767
NCUA Charter Number
Website
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