Major Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
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 (6.3 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 26.9 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Home mtgs (29%), consumer loans (15%), other (56%)
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
50 Riverside Industrial Parkway
Portland, ME 04103
Portland, ME 04103
Phone Number
(207) 878-6200
NCUA Charter Number
Website
Largest Competitors
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