Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.6) profitability. 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).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent liquidity 7.6, driven by a liquidity ratio of 101.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (4%), other (96%)
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
667 Avenue A
Bayonne, NJ 07002
Bayonne, NJ 07002
Phone Number
(201) 858-5978
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
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Bayonne, NJ