Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 10.9. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.2 has resulted in Excellent (9.0) 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 12.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (5.0).
Asset Mix:
Consumer loans (47%), home mtgs (18%), comm loans (5%), other (30%)
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