Sebasticook Valley Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 3.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 12.7. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Excellent (9.5) profitability.
Asset Mix:
Home mtgs (34%), consumer loans (31%), other (35%)
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
505 Somerset Avenue
Pittsfield, ME 04967
Pittsfield, ME 04967
Phone Number
(207) 487-5576
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
Scarborough, ME
Portland, ME