Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.1) profitability.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (30%), consumer loans (17%), securities (10%), other (44%)
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
225 Riverside Street
Portland, ME 04103
Portland, ME 04103
Phone Number
(207) 221-5000
NCUA Charter Number
Website
Largest Competitors
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Portland, ME