Cumberland County

Cumberland County is headquartered in Falmouth and is the 13^st largest credit union in the state of Maine. It is also the 1,086^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 39 employees and 16,009 members. Cumberland County has a 5-star health rating.

Cumberland County Savings Account Rates

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Cumberland County IRA Rates

Data for Q4 2011

Institution Statistics CUMBERLAND COUNTY NCUA # 9500 BankRate Report View Year Chartered 1954 Employees 39 Primary Regulator Assets and Liabilities Assets $146.17 million Loans $87.43 million Deposits $129.87 million Equity Capital $15.23 million Loan Loss Allowance $564,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $151,000 Historic Data - December 2010 Assets $136.67 million Equity Capital $13.96 million Loan Loss Allowance $416,000 Unbacked Noncurrent Loans $1.48 million Profit Margin - Quarterly Net Interest Margin 4.73% Return on Assets 0.87% Return on Equity 8.32% Interest Income $5.81 million Non-Interest Income $1.70 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cumberland County had $1.23 million in non-current loans and owned real-estate with $15.79 million in equity and loan loss allowances on hand to cover it. This gives Cumberland County a Texas Ratio of 7.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cumberland County decreased slightly from 10.29% as of December 31, 2010 to 7.80% as of December 31, 2011, resulting in a positive change of 24.22%.This indicates that the balance sheet and financial strength for Cumberland County has improved slightly in recent periods. Deposit Growth In the past year, Cumberland County has increased its total deposits by $7.77 million, resulting in 6.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cumberland County has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cumberland County has $146.17 million in assets with $15.79 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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