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SAFE & SOUND® STAR RATINGS

UNIVERSITY

15 Main St
Orono, ME 4473

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Credit Union ID 63133




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$253,671$255,486$233,670
Loans Receivable, Net203,752204,457185,064
Investments23,18823,93724,180
Shares & Deposits189,543184,555170,434
Borrowings38,66745,19439,046
Equity23,41123,17621,551
Net Income2211,5581,305
Ratio Analysis Capitalization%%%
Net Capital / Assets9.239.079.22
Capital / Assets9.669.499.68
Asset Quality%%%
Nonperforming Assets / Assets1.131.421.51
Nonperforming Assets / Equity & Loss Reserves11.6514.9915.62
Loss Reserves / Nonperforming Loans43.1733.0331.85
Credit Card Loans / Assets3.032.951.19
Earnings%%%
Return on Assets *0.580.620.59
Efficiency Ratio88.1181.885.12
Overhead / Assets *4.524.414.51
Liquidity%%%
Loans / Deposits107.50110.78108.58
Cash + Equivalents / Assets3.483.514.51

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