Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.3 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 39.5 percent and a “hot money” ratio of 3.0 percent. A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Asset Mix:
Securities (74%), consumer loans (20%), 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
Waterbury, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT