Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0. A current level of 5.5 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Consumer loans (20%), securities (17%), home mtgs (14%), other (49%)
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
601 Watertown Avenue
Waterbury, CT 06708
Waterbury, CT 06708
Phone Number
(203) 753-9201
NCUA Charter Number
Website
Largest Competitors
East Hartford, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT
Waterbury, CT