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
Call Report peers
Central Maine in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Central Maine sits in 90-94 with 747 others.
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: 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%).
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).
- One place up in Maine, MILESTONES (#5) scores 95/100, 1 point higher; one place down, Winthrop Area (#7) ties at 94/100.
How Central Maine's 5300 filing moved
Central Maine: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $140.0M (2025Q4) to $143.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (15.01% → 14.87%).
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
Central Maine gives up 6 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Central Maine financially healthy?
On its 2025Q4 NCUA 5300 filing, Central Maine scores 94/100 (Excellent), with a 14.87% net worth ratio and 0.54% of loans delinquent. It ranks #468 of 4,374 nationally on health and #6 of 48 in Maine.
How does Central Maine compare to other credit unions?
Central Maine scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.87% vs 12.11%). Its widest shortfall is loan-to-share ratio (33.88% vs 72.20%).
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?
Central Maine 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. Central Maine's net worth ratio of 14.87% 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.