Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability. Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Good asset quality (6.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (37%), consumer loans (28%), other (35%)
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
Scarborough, ME
Saco, ME