Federal credit union · Lewiston, Maine · NCUA charter #6936
Central Maine
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $140.0M
- Total assets
- 6,473
- Members
- 14.9%
- Net-worth ratio
Central Maine scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $140.0M; members 6,473; net-worth ratio 14.87%; health rank #468 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#468 of 4,374 health · 2025Q4Central Maine · health 94/100 · $140.0M · 2025Q4
- ASSETS 94/100
- MEM 14.9%
- RANK 0.54%
- PHOTO 1.39%
- BOOK $140.0M
- CHARTER 6,473
- NCUSIF #468/4,374
- CAMELS Kansas State University
- HEALTH 6936
Call Report peers
Central Maine in the assets neighbourhood
Central Maine's $140.0M assets sit next to Kansas State University ($139.9M) 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.
Central Maine 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
94 Top 13% higher than 87% 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
Central Maine - Share Insurance Coverage
Charter #6936's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Central Maine: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 14.87% here, 12.11% peer average (+2.76 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -38.32 pp (33.88% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Central Maine in Maine
- Maine health ordinal: #6 of 48.
- By total assets, Central Maine is #30 of 48 in Maine.
- Membership ranks #39 of 48 among Maine CUs with a reported count (6,473 members).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Central Maine's 5300 filing moved
Central Maine: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $140.0M (2025Q4) to $143.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (15.01% → 14.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.4 pts
Central Maine vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.87% | +2.76 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 1.39% | +0.77 pp |
| Member Growth | 23.01% | - |
| Loan-to-Share Ratio | 33.88% | -38.32 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).
Central Maine quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.1M | - |
| 2025Q4 | $140.0M | 6,473 |
| 2024Q4 | $137.7M | 5,262 |
| 2023Q4 | $125.2M | 5,284 |
Credit Union Details
- Charter Number
- 6936
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Central Maine runs one office.
| Office | City |
|---|---|
| Central Maine Federal C.U. (Main Office) | Lewiston, 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.
Other-state peers near Central Maine
Central Maine's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($140.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Central Maine ranks #468 of 4,374 nationally on financial health and #6 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRANKLIN-SOMERSET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRANKLIN-SOMERSET
- 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 Central Maine financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Central Maine carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #468 of 4,374; by total assets it ranks #1,543 of 4,374 nationally (same basis as /rankings/largest); and #30 of 48 within Maine. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.87% net worth ratio and a 0.54% delinquency rate.
How does Central Maine compare to other credit unions?
Central Maine scores 94/100 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 Central Maine?
Central Maine 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 Central Maine directly for the exact boundaries and application steps.
Is my money safe at Central Maine?
Federal credit unions like Central Maine 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. Central Maine's net worth ratio of 14.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Maine offer compared to banks?
Credit unions like Central Maine 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 Central Maine 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.