Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Excellent asset quality (7.6). Fair liquidity 3.9, driven by a liquidity ratio of 16.4 percent and a “hot money” ratio of 8.4 percent.
Asset Mix:
Consumer loans (23%), 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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