Major Rating Factors:
Weak current capitalization (2.2 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 4.9.
Other Rating Factors:
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). Fair liquidity 3.8, driven by a liquidity ratio of 21.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (69%), consumer loans (22%), other (9%)
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
10 Hamilton Avenue
Greenwich, CT 06830
Greenwich, CT 06830
Phone Number
(203) 531-2306
NCUA Charter Number
Largest Competitors
East Hartford, CT
Hartford, CT
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Greenwich, CT
Greenwich, CT