New Jersey Statutes Title 17. Corporations and Institutions for Finance and Insurance 17 § 12B-249

a. The establishment of such capital stock association is in the public interest;

b. Will be of benefit to the area proposed to be served;

c. May be established without undue injury to any other association in the area in which it is proposed to locate such capital stock association;

d. The capital stock association will have a reasonable prospect of success;

e. The character, responsibility and general fitness of the incorporators are such as to command confidence and warrant belief that the business of the capital stock association will be honestly and efficiently conducted;

f. The name proposed for the capital stock association conforms with the requirements of the act and that the proposed bylaws are proper;

g. The capital stock association has filed proofs as to the mailing of notice and publication required by the act;  and

h. The provisions of section 19 of this amendatory and supplementary act   1 dealing with capital stock and capital surplus requirements have been complied with to his satisfaction, and it is qualified as a member of the Federal Savings and Loan Insurance Corporation;