Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.0 has resulted in Excellent (8.7) 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 (6.8 on a scale of 0 to 10). A current level of 13.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (45%), home mtgs (17%), comm loans (4%), other (34%)
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
South Portland, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME