Major Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.3. A current level of 9.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
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). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (25%), comm loans (13%), 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
200 Capitol Street
Augusta, ME 04330
Augusta, ME 04330
Phone Number
(207) 623-1851
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Augusta, ME
Augusta, ME
Augusta, ME
Augusta, ME