The County Federal Credit Union
Major Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.9.
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 (7.1 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 10.8 percent.
Asset Mix:
Consumer loans (39%), home mtgs (25%), securities (6%), 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
110 Carmichael Street
Presque Isle, ME 04769
Presque Isle, ME 04769
Phone Number
(207) 554-4700
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
Scarborough, ME
Portland, ME