Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9. A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Excellent liquidity 7.1, driven by a liquidity ratio of 36.1 percent and a “hot money” ratio of 5.7 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.9 has resulted in Good (5.3) profitability.
Asset Mix:
Securities (7%), consumer loans (7%), 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
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