Town & Country Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 8.1.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (9.2). Weak liquidity 2.9, driven by a liquidity ratio of 11.6 percent and a “hot money” ratio of 6.3 percent.
Asset Mix:
Home mtgs (34%), consumer loans (27%), other (39%)
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
32 Little Dolphin Drive
Scarborough, ME 04074
Scarborough, ME 04074
Phone Number
(207) 773-5656
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
Portland, ME
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