Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Excellent (7.4) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (14%), comm loans (0%), other (52%)
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
Marion L. Healey Building
Winthrop, ME 04364
Winthrop, ME 04364
Phone Number
(207) 377-2124
NCUA Charter Number
Largest Competitors
South Portland, ME
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