Major Rating Factors:
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. A current level of 5.4 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.5).
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 (6.2 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Consumer loans (34%), home mtgs (21%), other (45%)
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
44 Edison Drive
Augusta, ME 04330
Augusta, ME 04330
Phone Number
(800) 696-1146
NCUA Charter Number
Website
Largest Competitors
South Portland, ME
Augusta, ME
Augusta, ME
Augusta, ME
Augusta, ME