Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 1.0 percent. Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (36%), home mtgs (13%), securities (0%), other (50%)
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
279 New Britain Road
Berlin, CT 06037
Berlin, CT 06037
Phone Number
(860) 828-2790
NCUA Charter Number
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