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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, 2016
Credit Union ID 63133




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$266,895$265,709$255,486
Loans Receivable, Net215,919214,420204,457
Investments24,81326,23823,937
Shares & Deposits209,534201,403184,555
Borrowings30,30937,83745,194
Equity24,42624,15323,176
Net Income1201,0841,558
Ratio Analysis Capitalization%%%
Net Capital / Assets9.159.099.07
Capital / Assets9.559.519.49
Asset Quality%%%
Nonperforming Assets / Assets1.141.361.42
Nonperforming Assets / Equity & Loss Reserves11.9014.2514.99
Loss Reserves / Nonperforming Loans38.3533.0733.03
Credit Card Loans / Assets3.433.482.95
Earnings%%%
Return on Assets *0.370.420.62
Efficiency Ratio89.3684.7581.8
Overhead / Assets *4.654.624.41
Liquidity%%%
Loans / Deposits103.05106.46110.78
Cash + Equivalents / Assets3.122.833.51

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