Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 12.3.
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 (5.6 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 17.9 percent and a “hot money” ratio of 0.3 percent.
Asset Mix:
Consumer loans (30%), home mtgs (22%), securities (3%), other (45%)
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
20 York Street
New Haven, CT 06510
New Haven, CT 06510
Phone Number
(203) 680-8668
NCUA Charter Number
Website
Largest Competitors
New Haven, CT
New Haven, CT
New Haven, CT
New Haven, CT
New Haven, CT