Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 12.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (6.5). Weak liquidity 2.4, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 15.4 percent.
Asset Mix:
Home mtgs (36%), consumer loans (17%), securities (6%), other (42%)
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
78 Fox Street
Madawaska, ME 04756
Madawaska, ME 04756
Phone Number
(207) 728-7555
NCUA Charter Number
Website
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