Atlantic Regional Federal Credit Union
Major Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 11.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (32%), consumer loans (17%), comm loans (7%), securities (3%), other (41%)
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