Federal credit union · Augusta, Maine · NCUA charter #9919
Capital Area
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $70.2M
- Total assets
- 3,971
- Members
- 17.3%
- Net-worth ratio
Capital Area scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.2M; members 3,971; net-worth ratio 17.25%; health rank #891 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#891 of 4,374 health · 2025Q4Capital Area · health 91/100 · $70.2M · 2025Q4
Call Report peers
Capital Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Capital Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Capital Area sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Capital Area vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 90.90% vs peer 62.60% (+28.30 pp).
Where Capital Area sits in Maine
- Health composite ranks #15 of 48 among scored Maine credit unions.
- Assets rank #44 of 48 inside Maine ($70.2M reported).
- Maine membership ordinal: #44 of 48.
- One place up in Maine, ANCORUM (#14) scores 92/100, 1 point higher; one place down, KSW (#16) ties at 91/100.
Capital Area: 2025Q4 → 2026Q1
Capital Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $70.2M (2025Q4) to $71.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (17.29% → 17.25%).
17.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Capital Area gives up 9 points in total. Member Growth costs the most, 8.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.8 pts
Capital Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.25% | +3.63 pp |
| Delinquency Rate | 0.01% | -0.96 pp |
| Return on Assets | 1.73% | +1.08 pp |
| Member Growth | -1.54% | - |
| Loan-to-Share Ratio | 90.90% | +28.30 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Capital Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.7M | - |
| 2025Q4 | $70.2M | 3,971 |
| 2024Q4 | $66.5M | 4,033 |
| 2023Q4 | $63.2M | 3,980 |
Credit Union Details
- Charter Number
- 9919
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maine
- City
- Augusta
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Capital Area runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Augusta, ME |
| Synergent Corp | Westbrook, ME |
| Synergent Corp | Westbrook, 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.
Capital Area nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Capital Area ranks #891 of 4,374 nationally on financial health and #15 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Falls Regional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Falls Regional
Frequently Asked Questions
Is Capital Area financially healthy?
Capital Area has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #891 of 4,374 nationally on health and #15 of 48 in Maine. Its net worth ratio is 17.25% and its delinquency rate 0.01%.
How does Capital Area compare to other credit unions?
Capital Area scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (90.90% vs 62.60%).
How can I join Capital Area?
Capital Area 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 Capital Area directly for the exact boundaries and application steps.
Is my money safe at Capital Area?
Capital Area 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. Capital Area's net worth ratio of 17.25% 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.