Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
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 9.4. A current level of 5.4 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (49%), securities (17%), home mtgs (8%), other (26%)
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
253 High Street
Hartford, CT 06103
Hartford, CT 06103
Phone Number
(860) 522-0899
NCUA Charter Number
Website
Largest Competitors
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT