Federal credit union · Bangor, Maine · NCUA charter #10939
BANGOR
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $283.9M
- Total assets
- 15,672
- Members
- 8.5%
- Net-worth ratio
BANGOR scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $283.9M; members 15,672; net-worth ratio 8.47%; health rank #1,353 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,353 of 4,374 health · 2025Q4BANGOR · health 89/100 · $283.9M · 2025Q4
Call Report peers
BANGOR in the assets neighbourhood
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BANGOR vs every NCUA-scored credit union
BANGOR 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
BANGOR vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.41% here, 0.89% peer average (-0.49 pp).
- Largest lag: Loan-to-Share Ratio at 67.23% vs peer 72.20% (-4.97 pp).
BANGOR: in-state Call Report ranks
- In Maine, health place is #23 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 48 inside Maine ($283.9M reported).
- Maine membership ordinal: #19 of 48.
- One place up in Maine, Atlantic Regional (#22) ties at 89/100; one place down, COMMUNITY (#24) scores 88/100, 1 point lower.
BANGOR Call Report trajectory
BANGOR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $283.9M (2025Q4) to $291.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (8.46% → 8.47%).
This credit union's 8.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
BANGOR gives up 11 points in total. Member Growth costs the most, 6.7 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.7 pts
BANGOR health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.47% | -3.64 pp |
| Delinquency Rate | 0.41% | -0.49 pp |
| Return on Assets | 0.48% | -0.14 pp |
| Member Growth | -0.40% | - |
| Loan-to-Share Ratio | 67.23% | -4.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
BANGOR filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $291.0M | - |
| 2025Q4 | $283.9M | 15,672 |
| 2024Q4 | $271.0M | 15,735 |
| 2023Q4 | $240.1M | 15,571 |
Credit Union Details
- Charter Number
- 10939
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Bangor
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, BANGOR runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Hogan Road (Main Office) | Bangor, ME |
| Venture Way | Bangor, ME |
| Brewer | Brewer, ME |
| Ellsworth | Ellsworth, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
BANGOR nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- BANGOR ranks #1,353 of 4,374 nationally on financial health and #23 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Family
Frequently Asked Questions
Is BANGOR financially healthy?
BANGOR has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,353 of 4,374 nationally on health and #23 of 48 in Maine. Its net worth ratio is 8.47% and its delinquency rate 0.41%.
How does BANGOR compare to other credit unions?
BANGOR scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.41% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.23% vs 72.20%).
How can I join BANGOR?
BANGOR 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 BANGOR directly for the exact boundaries and application steps.
Is my money safe at BANGOR?
BANGOR 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. BANGOR's net worth ratio of 8.47% 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.