Federal credit union · South Portland, Maine · NCUA charter #4281
Atlantic Regional
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.06B
- Total assets
- 49,017
- Members
- 7.8%
- Net-worth ratio
Atlantic Regional - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4281: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Atlantic Regional - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)93
- Earnings (ROA)76
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.80% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.26% | 15% |
| Member Growth | 0.39% | 15% |
| Loan-to-Share Ratio | 78.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Atlantic Regional
Headquartered in South Portland, Maine, Atlantic Regional is a federal credit union with 49,017 members, $1.06B in total assets, and $743.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 7.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4281 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 78.23% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.69% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.26% on net income of $2.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.39%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Atlantic Regional financially healthy?
A 7.80% net worth ratio and a 0.69% delinquency rate feed into Atlantic Regional's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Atlantic Regional compare to other credit unions?
Five weighted metrics from NCUA filings produce Atlantic Regional's 84/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Atlantic Regional 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. Atlantic Regional's net worth ratio of 7.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Atlantic Regional offer compared to banks?
Credit unions like Atlantic Regional 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 Atlantic Regional directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.