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 (3.7 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.0.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (6.0) profitability.
Asset Mix:
Securities (39%), consumer loans (22%), home mtgs (11%), other (28%)
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
11 Cranbrook Boulevard
Enfield, CT 06082
Enfield, CT 06082
Phone Number
(860) 253-5100
NCUA Charter Number
Largest Competitors
East Hartford, CT
Hartford, CT
Waterford, CT
Enfield, CT
Enfield, CT