Atlantic Regional Federal Credit Union
Major Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.7. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (33%), consumer loans (16%), securities (5%), other (46%)
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
600 Sable Oaks Drive
South Portland, ME 04106
South Portland, ME 04106
Phone Number
(800) 834-0432
NCUA Charter Number
Website
Largest Competitors
Hampden, ME
Augusta, ME
South Portland, ME
South Portland, ME
South Portland, ME
