Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.6. Good liquidity 5.9, driven by a liquidity ratio of 41.6 percent and a “hot money” ratio of 14.7 percent.
Asset Mix:
Securities (58%), home mtgs (10%), consumer loans (5%), other (27%)
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
84 Wadsworth Street
Hartford, CT 06106
Hartford, CT 06106
Phone Number
(860) 522-7147
NCUA Charter Number
Website
Largest Competitors
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT