Torrington Municipal & Teachers Federal Credit Union
Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 6.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (28%), home mtgs (4%), other (68%)
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
777 East Main Street
Torrington, CT 06790
Torrington, CT 06790
Phone Number
(860) 489-2212
NCUA Charter Number
Website
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