Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.9 and a net worth ratio of 0.0. A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Asset Mix:
Securities (65%), consumer loans (16%), home mtgs (0%), other (18%)
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
135 Grand Street
Waterbury, CT 06720
Waterbury, CT 06720
Phone Number
(203) 756-2891
NCUA Charter Number
Largest Competitors
East Hartford, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT