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SAFE & SOUND® STAR RATINGS

UNIVERSITY

15 Main St
Orono, ME 4473

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2015
Credit Union ID 63133




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$265,468$255,486$233,670
Loans Receivable, Net212,433204,457185,064
Investments27,31023,93724,180
Shares & Deposits195,812184,555170,434
Borrowings43,36445,19439,046
Equity23,79423,17621,551
Net Income6291,5581,305
Ratio Analysis Capitalization%%%
Net Capital / Assets8.969.079.22
Capital / Assets9.389.499.68
Asset Quality%%%
Nonperforming Assets / Assets1.271.421.51
Nonperforming Assets / Equity & Loss Reserves13.5414.9915.62
Loss Reserves / Nonperforming Loans35.9633.0331.85
Credit Card Loans / Assets3.352.951.19
Earnings%%%
Return on Assets *0.440.620.59
Efficiency Ratio86.9481.885.12
Overhead / Assets *4.724.414.51
Liquidity%%%
Loans / Deposits108.49110.78108.58
Cash + Equivalents / Assets3.033.514.51

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