Trenton Teachers Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.7 and a net worth ratio of 0.0. A current level of 2.9 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (9.0) profitability. Excellent liquidity 7.5, driven by a liquidity ratio of 107.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (7%), other (93%)
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
55 Ray Dwier Drive
Hamilton Square, NJ 08690
Hamilton Square, NJ 08690
Phone Number
(609) 890-1630
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Hamilton Square, NJ