Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3. 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).
Other Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.2 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (44%), home mtgs (16%), comm loans (5%), 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
South Portland, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME