Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 32.6 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Securities (24%), consumer loans (19%), home mtgs (11%), other (46%)
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
85 Civic Center Drive
Augusta, ME 04330
Augusta, ME 04330
Phone Number
(207) 623-3857
NCUA Charter Number
Largest Competitors
South Portland, ME
Augusta, ME
Augusta, ME
Augusta, ME
Augusta, ME