Federal credit union · FORT KENT, Maine · NCUA charter #15619
ACADIA
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $399.4M
- Total assets
- 18,163
- Members
- 11.1%
- Net-worth ratio
ACADIA scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $399.4M; members 18,163; net-worth ratio 11.05%; health rank #1,128 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,128 of 4,374 health · 2025Q4ACADIA · health 90/100 · $399.4M · 2025Q4
Call Report peers
ACADIA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACADIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACADIA sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ACADIA
- Loan-to-Share Ratio leads the peer set - 95.20% here, 72.20% peer average (+23.00 pp).
- Largest lag: Net Worth Ratio at 11.05% vs peer 12.11% (-1.06 pp).
Where ACADIA sits in Maine
- Health composite ranks #20 of 48 among scored Maine credit unions.
- Maine assets place: #11 of 48.
- Member book place in Maine: #16 of 48.
- One place up in Maine, Lincoln Maine (#19) ties at 90/100; one place down, OTIS (#21) scores 89/100, 1 point lower.
Quarter path for ACADIA
ACADIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $399.4M (2025Q4) to $408.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (11.19% → 11.05%).
11.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
ACADIA gives up 10 points in total. Delinquency Rate costs the most, 7.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.05% | -1.06 pp |
| Delinquency Rate | 1.37% | +0.48 pp |
| Return on Assets | 0.91% | +0.29 pp |
| Member Growth | 4.85% | - |
| Loan-to-Share Ratio | 95.20% | +23.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ACADIA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $408.1M | - |
| 2025Q4 | $399.4M | 18,163 |
| 2024Q4 | $369.4M | 17,323 |
| 2023Q4 | $332.8M | 16,473 |
Credit Union Details
- Charter Number
- 15619
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- FORT KENT
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for ACADIA, spread across 8 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fort Kent, ME |
| Ashland Office | Ashland, ME |
| Webber Office | Bangor, ME |
| Broadway Office | Bangor, ME |
| Brewer Office | Brewer, ME |
| Operations Center | Fort Kent, ME |
| Madawaska Office | Madawaska, ME |
| Presque Isle Office | Presque Isle, ME |
| St. Agatha Branch | Saint Agatha, ME |
| St. Francis Office | Saint Francis, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Other-state peers near ACADIA
Using this data
- ACADIA ranks #1,128 of 4,374 nationally on financial health and #20 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ANCORUM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ANCORUM
Frequently Asked Questions
Is ACADIA financially healthy?
ACADIA has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,128 of 4,374 nationally on health and #20 of 48 in Maine. Its net worth ratio is 11.05% and its delinquency rate 1.37%.
How does ACADIA compare to other credit unions?
ACADIA scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.20% vs 72.20%). Its widest shortfall is net worth ratio (11.05% vs 12.11%).
How can I join ACADIA?
ACADIA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ACADIA directly for the exact boundaries and application steps.
Is my money safe at ACADIA?
ACADIA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ACADIA's net worth ratio of 11.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.