Major 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 (5.8 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 23.4 and a net worth ratio of 23.4. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.6).
Asset Mix:
Securities (72%), consumer loans (22%), other (6%)
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
64 Robbins Street
Waterbury, CT 06708
Waterbury, CT 06708
Phone Number
(203) 573-6227
NCUA Charter Number
Website
Largest Competitors
East Hartford, CT
Hartford, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT