Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.8 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (6.8). Fair liquidity 4.2, driven by a liquidity ratio of 19.5 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Consumer loans (22%), home mtgs (15%), other (63%)
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
265 Sub Way
Milford, CT 06461
Milford, CT 06461
Phone Number
(203) 783-1103
NCUA Charter Number
Website
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