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
- DELQ 90/100
- ROA 11.1%
- ASSETS 1.37%
- MEM 0.91%
- RANK $399.4M
- PHOTO 18,163
- BOOK #1,128/4,374
- CHARTER TEN
- NCUSIF 15619
Call Report peers
ACADIA in the assets neighbourhood
ACADIA's $399.4M assets sit next to TEN ($399.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ACADIA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15619 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ACADIA
ACADIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $399.4M (2025Q4) to $408.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (11.19% → 11.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for ACADIA - kept outside Maine; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($399.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACADIA financially healthy?
A 11.05% net worth ratio and a 1.37% delinquency rate feed into ACADIA's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,128 of 4,374; by total assets it ranks #871 of 4,374 nationally (same basis as /rankings/largest); and #11 of 48 within Maine. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ACADIA compare to other credit unions?
ACADIA scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ACADIA are 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."
What rates does ACADIA offer compared to banks?
Credit unions like ACADIA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ACADIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.