Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.8 and a net worth ratio of 15.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 2.0 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (32%), other (30%)
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
2010 North Belfast Avenue
Augusta, ME 04330
Augusta, ME 04330
Phone Number
(207) 622-3442
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Augusta, ME
Augusta, ME
Augusta, ME
Augusta, ME