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). Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.3.
Other Rating Factors:
Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.4 has resulted in Good (6.4) profitability. Excellent liquidity 7.7, driven by a liquidity ratio of 102.3 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
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