Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A current level of 6.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
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 (7.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (31%), securities (4%), other (33%)
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
391 Main Street
Lewiston, ME 04240
Lewiston, ME 04240
Phone Number
(207) 784-5435
NCUA Charter Number
Website
Largest Competitors
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME