Federal credit union · South Portland, Maine · NCUA charter #4281
Atlantic Regional
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.06B
- Total assets
- 49,017
- Members
- 11.1%
- Net-worth ratio
Atlantic Regional scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.06B; members 49,017; net-worth ratio 11.06%; health rank #1,293 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,293 of 4,374 health · 2025Q4Atlantic Regional · health 89/100 · $1.06B · 2025Q4
Call Report peers
Atlantic Regional in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Atlantic Regional vs every NCUA-scored credit union
Atlantic Regional sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Atlantic Regional: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.69% here, 0.87% peer average (-0.19 pp).
- Largest lag: Loan-to-Share Ratio at 78.23% vs peer 83.90% (-5.67 pp).
Where Atlantic Regional sits in Maine
- Health composite ranks #22 of 48 among scored Maine credit unions.
- Maine assets place: #1 of 48.
- Membership ranks #1 of 48 among Maine CUs with a reported count (49,017 members).
- One place up in Maine, OTIS (#21) ties at 89/100; one place down, BANGOR (#23) ties at 89/100.
How Atlantic Regional's 5300 filing moved
Atlantic Regional: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $1.06B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.22% → 11.06%).
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Atlantic Regional gives up 11 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 11.4 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Atlantic Regional
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -0.12 pp |
| Delinquency Rate | 0.69% | -0.19 pp |
| Return on Assets | 0.26% | -0.25 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 78.23% | -5.67 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Atlantic Regional quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.08B | - |
| 2025Q4 | $1.06B | 49,017 |
| 2024Q4 | $1.08B | 48,829 |
| 2023Q4 | $1.14B | 48,786 |
Credit Union Details
- Charter Number
- 4281
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maine
- City
- South Portland
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Atlantic Regional runs 12 offices in 11 different cities.
| Office | City |
|---|---|
| South Portland (Main Office) | South Portland, ME |
| Biddeford | Biddeford, ME |
| Brunswick | Brunswick, ME |
| Cumberland | Cumberland, ME |
| Freeport | Freeport, ME |
| Saco | Saco, ME |
| Sanford | Sanford, ME |
| South Sanford | Sanford, ME |
| Scarborough | Scarborough, ME |
| Topsham | Topsham, ME |
| Westbrook | Westbrook, ME |
| York | York, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Atlantic Regional ranks #1,293 of 4,374 nationally on financial health and #22 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Savings
Frequently Asked Questions
Is Atlantic Regional financially healthy?
Atlantic Regional has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,293 of 4,374 nationally on health and #22 of 48 in Maine. Its net worth ratio is 11.06% and its delinquency rate 0.69%.
How does Atlantic Regional compare to other credit unions?
Atlantic Regional scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.69% vs 0.87%). Its widest shortfall is loan-to-share ratio (78.23% vs 83.90%).
How can I join Atlantic Regional?
Atlantic Regional 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 Atlantic Regional directly for the exact boundaries and application steps.
Is my money safe at Atlantic Regional?
Atlantic Regional 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. Atlantic Regional's net worth ratio of 11.06% 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.