Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.6 and a net worth ratio of 13.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (8.0) profitability. Good liquidity 6.1, driven by a liquidity ratio of 32.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (28%), securities (1%), other (72%)
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
366 Church Hill Road
Trumbull, CT 06611
Trumbull, CT 06611
Phone Number
(203) 452-5095
NCUA Charter Number
Largest Competitors
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