Maine Savings Credit Union

Maine Savings Credit Union is headquartered in Hampden and is the 4^th largest credit union in the state of Maine. It is also the 749^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 81 employees and 25,386 members. Maine Savings Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

Maine Savings Credit Union Checking Account Rates

Maine Savings Credit Union Savings Account Rates

Maine Savings Credit Union Money Market Rates

Maine Savings Credit Union CD Rates

Maine Savings Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MAINE SAVINGS NCUA # 14565 BankRate Report View Year Chartered 1961 Employees 81 Primary Regulator Assets and Liabilities Assets $242.41 million Loans $179.79 million Deposits $215.36 million Equity Capital $19.66 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $964,000 Real Estate Owned $315,000 Historic Data - December 2010 Assets $219.02 million Equity Capital $18.65 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.86 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.42% Return on Equity 5.12% Interest Income $9.51 million Non-Interest Income $4.11 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 Maine Savings Credit Union had $1.28 million in non-current loans and owned real-estate with $20.7 million in equity and loan loss allowances on hand to cover it. This gives Maine Savings Credit Union a Texas Ratio of 6.18% 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 Maine Savings Credit Union decreased slightly from 9.45% as of December 31, 2010 to 6.18% as of December 31, 2011, resulting in a positive change of 34.62%.This indicates that the balance sheet and financial strength for Maine Savings Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Maine Savings Credit Union has increased its total deposits by $17.66 million, resulting in 8.93% 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 Maine Savings Credit Union 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. Maine Savings Credit Union has $242.41 million in assets with $20.7 million in equity, resulting in a capitalization level of 8.54%, which is average.

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