Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 0.0. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (8.8) profitability.
Asset Mix:
Home mtgs (16%), consumer loans (9%), other (75%)
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
1000 Lisbon Street
Lewiston, ME 04240
Lewiston, ME 04240
Phone Number
(207) 783-1475
NCUA Charter Number
Website
Largest Competitors
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME