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SAFE & SOUND® STAR RATINGS

UNIVERSITY

139 Rangeley Rd
Orono, ME 4469

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Credit Union ID 63133




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$258,636$233,670$211,505
Loans Receivable, Net207,235185,064166,398
Investments24,71124,18023,091
Shares & Deposits182,105170,434163,183
Borrowings51,22039,04625,644
Equity22,65021,55120,262
Net Income1,0511,3051,505
Ratio Analysis Capitalization%%%
Net Capital / Assets8.769.229.58
Capital / Assets9.199.6810.01
Asset Quality%%%
Nonperforming Assets / Assets1.171.511.19
Nonperforming Assets / Equity & Loss Reserves12.7515.6211.87
Loss Reserves / Nonperforming Loans38.3631.8536.48
Credit Card Loans / Assets2.541.190.00
Earnings%%%
Return on Assets *0.580.590.73
Efficiency Ratio82.1985.1281.71
Overhead / Assets *4.334.514.66
Liquidity%%%
Loans / Deposits113.80108.58101.97
Cash + Equivalents / Assets3.434.514.37

* Calculations are based on the latest four quarters of income and expense.
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