Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 6.5.
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (6.3). Fair liquidity 4.4, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 3.4 percent.
Asset Mix:
Consumer loans (23%), securities (13%), home mtgs (12%), other (52%)
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
14 Research Drive
Bethel, CT 06801
Bethel, CT 06801
Phone Number
(203) 796-4500
NCUA Charter Number
Website
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