Development
Middlesex County N J Emp Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 0.0 percent. A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Securities (67%), consumer loans (20%), other (13%)
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
Middlesex County Efcu
North Brunswick, NJ 08902
North Brunswick, NJ 08902
Phone Number
(732) 227-0270
NCUA Charter Number
Website
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