Development
Liberty Savings 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 12.4 and a net worth ratio of 12.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (39%), securities (18%), home mtgs (9%), other (34%)
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
666 Newark Avenue
Jersey City, NJ 07306
Jersey City, NJ 07306
Phone Number
(201) 659-3900
NCUA Charter Number
Website
Largest Competitors
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ
Jersey City, NJ