NORWALK HOSPITAL
Charter #65954 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
NORWALK HOSPITAL has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 17.16% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Member decline: -6.8% YoY
- - Net Interest Margin (NIM): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,163
-6.8% YoY-0.0% QoQ
|
-462 |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
54th in tier |
| Assets |
$32.6M
-1.7% YoY-2.5% QoQ
|
+$2.7M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
62nd in tier |
| Loans |
$6.7M
-15.8% YoY-2.4% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$29.6M
-1.6% YoY-2.8% QoQ
|
+$4.2M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
65th in tier |
| ROA |
-0.1%
-89.0% YoY-76.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.1% in tier |
| NIM |
1.4%
+52.3% YoY+11.9% QoQ
|
-2.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio |
98.6%
-36.2% YoY-11.5% QoQ
|
+17.2% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 12.2% in tier |
| Delinquency Rate |
2.5%
-32.4% YoY-42.4% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 15.3% in tier |
| Loan To Share |
22.6%
-14.4% YoY+0.5% QoQ
|
-38.7% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.5% in tier |
| AMR |
$16,791
+2.3% YoY-2.7% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration |
24.0%
+4.3% YoY+7.2% QoQ
|
-0.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
598
Members Per Employee (MPE)
engagement
Value:
432.600
Peer Avg: 365.701
#598 of 2596
Top 23.0% in <100M tier
Top Weaknesses (9 metrics)
2557
Net Interest Margin (NIM)
profitability
Value:
1.45%
Peer Avg: 3.93%
#2557 of 2596
Bottom 1.5% in <100M tier
2450
Loan-to-Share Ratio
balance_sheet
Value:
22.55%
Peer Avg: 61.23%
#2450 of 2596
Bottom 5.7% in <100M tier
2340
Net Worth Ratio
risk
Value:
9.05%
Peer Avg: 16.43%
#2340 of 2596
Bottom 9.9% in <100M tier
2324
Loan Growth Rate
growth
Value:
-15.83%
Peer Avg: 59.01%
#2324 of 2596
Bottom 10.5% in <100M tier
2320
Member Growth Rate
growth
Value:
-6.77%
Peer Avg: 14.92%
#2320 of 2596
Bottom 10.7% in <100M tier
2281
Efficiency Ratio
profitability
Value:
98.55%
Peer Avg: 81.39%
#2281 of 2596
Bottom 12.2% in <100M tier
2231
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Avg: 0.68%
#2231 of 2596
Bottom 14.1% in <100M tier
2200
Total Delinquency Rate (60+ days)
risk
Value:
2.49%
Peer Avg: 1.51%
#2200 of 2596
Bottom 15.3% in <100M tier
1958
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,090
Peer Avg: $5,488
#1958 of 2596
Bottom 24.6% in <100M tier