Major Rating Factors:
                             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. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.0 has resulted in Excellent (8.6) profitability. 
                        
					
							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 (6.5 on a scale of 0 to 10). A current level of 9.6 percent of nonperforming loans to core capital  contributes to the Good asset quality (5.5).                         
						
					
							Asset Mix:
							Consumer loans (47%), home mtgs (18%), 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
							
								144 Pine Street 
Lewiston, ME 04240
						Lewiston, ME 04240
Phone Number
							(207) 783-2096
						NCUA Charter Number
							
						Largest Competitors
						
													Lewiston, ME
												
											
													Lewiston, ME
												
											
													Lewiston, ME
												
											
													Lewiston, ME
												
											
													Lewiston, ME