Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7.
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 (5.7 on a scale of 0 to 10). Good liquidity 5.6, driven by a liquidity ratio of 39.4 percent and a “hot money” ratio of 7.7 percent.
Asset Mix:
Consumer loans (20%), home mtgs (16%), securities (15%), comm loans (1%), other (48%)
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
555 Sabattus Street
Lewiston, ME 04240
Lewiston, ME 04240
Phone Number
(207) 783-2071
NCUA Charter Number
Website
Largest Competitors
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME
Lewiston, ME