Development
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (17%), securities (4%), other (52%)
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
100 Mineral Springs Road
Dover, NJ 07801
Dover, NJ 07801
Phone Number
(973) 361-5225
NCUA Charter Number
Website
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