Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.0. A current level of 3.4 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.7) profitability. 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 (35%), consumer loans (18%), securities (2%), other (45%)
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
Nine East Main Street
Fort Kent, ME 04743
Fort Kent, ME 04743
Phone Number
(207) 834-6167
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
Scarborough, ME
Portland, ME