Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.7 has resulted in Good (6.6) profitability. Good liquidity 5.5, driven by a liquidity ratio of 32.2 percent and a “hot money” ratio of 5.4 percent.
Asset Mix:
Consumer loans (34%), home mtgs (6%), securities (6%), other (54%)
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
632 Franklin Avenue
Hartford, CT 06114
Hartford, CT 06114
Phone Number
(860) 296-4379
NCUA Charter Number
Website
Largest Competitors
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT
Hartford, CT