Major Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 10.2.
Other 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 (5.1 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 8.8 percent.
Asset Mix:
Consumer loans (19%), home mtgs (15%), comm loans (5%), other (61%)
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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