Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Securities (66%), consumer loans (14%), other (20%)
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
Tandet Center
Stamford, CT 06902
Stamford, CT 06902
Phone Number
(203) 316-9111
NCUA Charter Number
Website
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