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SAFE & SOUND® STAR RATINGS

UNIVERSITY

15 Main St
Orono, ME 4473

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




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$265,709$255,486$233,670
Loans Receivable, Net214,420204,457185,064
Investments26,23823,93724,180
Shares & Deposits201,403184,555170,434
Borrowings37,83745,19439,046
Equity24,15323,17621,551
Net Income1,0841,5581,305
Ratio Analysis Capitalization%%%
Net Capital / Assets9.099.079.22
Capital / Assets9.519.499.68
Asset Quality%%%
Nonperforming Assets / Assets1.361.421.51
Nonperforming Assets / Equity & Loss Reserves14.2514.9915.62
Loss Reserves / Nonperforming Loans33.0733.0331.85
Credit Card Loans / Assets3.482.951.19
Earnings%%%
Return on Assets *0.420.620.59
Efficiency Ratio84.7581.885.12
Overhead / Assets *4.624.414.51
Liquidity%%%
Loans / Deposits106.46110.78108.58
Cash + Equivalents / Assets2.833.514.51

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