Major Rating Factors:
A current level of 47.5 percent of nonperforming loans to core capital combined with 47.5 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 27.2 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (72%), other (28%)
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
3528 E Main St
Waterbury, CT 06705
Waterbury, CT 06705
Phone Number
(203) 755-2030
NCUA Charter Number
Largest Competitors
East Hartford, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT