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CIK 1355823

ROMA FINANCIAL CORP
CIK 0001355823 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
59.2
composite ยท 2 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-07 ยท FY 2012-12-31 ยท TRIGGERED74.0

Pension underfunding

DB plan 57% funded โ€” -$9M deficit (4% of equity)
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2013-02-27) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 19878000,
  "plan_assets": 11323000,
  "funded_ratio": 0.5696,
  "deficit": -8555000,
  "deficit_vs_equity": 0.0401,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2012-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1355823/000094627513000075/0000946275-13-000075-index.htm",
    "form": "10-K",
    "filed": "2013-02-27"
  }
}
P-05 ยท FY 2012-12-31 ยท CLEAN0.0

Tax arbitrage

ETR 54.9% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2013-02-27) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2012-12-31": 0.5487,
    "2011-12-31": 0.3174,
    "2010-12-31": 0.3647
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2012-12-31": -0.3387,
    "2011-12-31": -0.1074,
    "2010-12-31": -0.1547
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2012-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1355823/000094627513000075/0000946275-13-000075-index.htm",
    "form": "10-K",
    "filed": "2013-02-27"
  }
}