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 current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (5.9) profitability. Good liquidity 5.8, driven by a liquidity ratio of 31.5 percent and a “hot money” ratio of 7.0 percent.
Asset Mix:
Consumer loans (23%), home mtgs (17%), other (60%)
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
Two Middle Road
Sabattus, ME 04280
Sabattus, ME 04280
Phone Number
(207) 375-6538
NCUA Charter Number
Website
Largest Competitors
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