Major 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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.3.
Asset Mix:
Home mtgs (31%), securities (21%), consumer loans (17%), other (31%)
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
242 Hope Street
Stamford, CT 06906
Stamford, CT 06906
Phone Number
(203) 324-2144
NCUA Charter Number
Website
Largest Competitors
East Hartford, CT
Hartford, CT
Waterford, CT
Stamford, CT
Stamford, CT