Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 6.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.4 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.4). Weak liquidity 2.5, driven by a liquidity ratio of 10.4 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Consumer loans (27%), home mtgs (15%), securities (4%), other (54%)
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
37 North Avenue
Norwalk, CT 06851
Norwalk, CT 06851
Phone Number
(203) 977-4701
NCUA Charter Number
Website
Largest Competitors
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