Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.6) profitability.
Other Rating Factors:
A current level of 32.5 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.8). Fair liquidity 3.0, driven by a liquidity ratio of 23.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (26%), consumer loans (24%), other (50%)
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
IBIS Plaza
Hamilton, NJ 08619
Hamilton, NJ 08619
Phone Number
(609) 631-4300
NCUA Charter Number
Website
Largest Competitors
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Hamilton, NJ