Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Excellent (8.2) profitability. Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 11.0.
Other Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). 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 (32%), home mtgs (29%), other (39%)
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
272 Park Avenue
Portland, ME 04102
Portland, ME 04102
Phone Number
(207) 772-0808
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
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Portland, ME