Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (6.7) profitability. A current level of 12.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Home mtgs (40%), consumer loans (24%), comm loans (3%), 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
23 Industrial Park Road
Saco, ME 04072
Saco, ME 04072
Phone Number
(207) 282-4156
NCUA Charter Number
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
Portland, ME
Saco, ME