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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9). Excellent liquidity 7.1, driven by a liquidity ratio of 36.2 percent and a “hot money” ratio of 6.0 percent.
Asset Mix:
Securities (9%), consumer loans (6%), home mtgs (4%), other (82%)
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
182 South Road
Enfield, CT 06082
Enfield, CT 06082
Phone Number
(860) 253-4780
NCUA Charter Number
Website
Largest Competitors
East Hartford, CT
Hartford, CT
Waterford, CT
Enfield, CT
Enfield, CT