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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, 2014
Credit Union ID 63133




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$255,486$233,670$211,505
Loans Receivable, Net204,457185,064166,398
Investments23,93724,18023,091
Shares & Deposits184,555170,434163,183
Borrowings45,19439,04625,644
Equity23,17621,55120,262
Net Income1,5581,3051,505
Ratio Analysis Capitalization%%%
Net Capital / Assets9.079.229.58
Capital / Assets9.499.6810.01
Asset Quality%%%
Nonperforming Assets / Assets1.421.511.19
Nonperforming Assets / Equity & Loss Reserves14.9915.6211.87
Loss Reserves / Nonperforming Loans33.0331.8536.48
Credit Card Loans / Assets2.951.190.00
Earnings%%%
Return on Assets *0.620.590.73
Efficiency Ratio81.885.1281.71
Overhead / Assets *4.414.514.66
Liquidity%%%
Loans / Deposits110.78108.58101.97
Cash + Equivalents / Assets3.514.514.37

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