C
University Credit Union
OronoME
Rating Date
March 2024
Net Capital
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Major Rating Factors: Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.7) profitability. Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.1.
Other Rating Factors: A current level of 2.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.8). 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: Home mtgs (50%), consumer loans (20%), securities (0%), 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
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Hot Money
Corporate Info
Address
15 Main Street
Orono, ME 04473
Phone Number
(207) 889-8600
NCUA Charter Number
Weiss Ratings