Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 15.5 percent and a “hot money” ratio of 14.2 percent. A current level of 16.2 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Fair asset quality (4.1).
Asset Mix:
Consumer loans (39%), home mtgs (35%), other (26%)
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
115 Mecaw Road
Hampden, ME 04444
Hampden, ME 04444
Phone Number
(207) 945-6264
NCUA Charter Number
Largest Competitors
South Portland, ME
Hampden, ME
Augusta, ME
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Portland, ME