Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0). Good current capitalization (6.2 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.
Asset Mix:
Securities (30%), consumer loans (19%), home mtgs (17%), other (34%)
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