Major Rating Factors:
A current level of 8.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). 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 10.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 9.5 percent.
Asset Mix:
Consumer loans (18%), home mtgs (14%), comm loans (5%), 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
Largest Competitors
East Hartford, CT
Hartford, CT
Waterford, CT
Stratford, CT
North Haven, CT