Northwest Hills Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Excellent (9.5) profitability. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0. Good liquidity 5.1, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (33%), securities (16%), home mtgs (4%), other (47%)
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
339 North Elm Street
Torrington, CT 06790
Torrington, CT 06790
Phone Number
(860) 496-7326
NCUA Charter Number
Website
Largest Competitors
East Hartford, CT
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