Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 12.8. A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Home mtgs (28%), consumer loans (18%), securities (3%), other (51%)
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