State credit union · Lewiston, Maine · NCUA charter #63447
COMMUNITY
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $116.9M
- Total assets
- 13,601
- Members
- 10.3%
- Net-worth ratio
COMMUNITY scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $116.9M; members 13,601; net-worth ratio 10.32%; health rank #1,495 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,495 of 4,374 health · 2025Q4COMMUNITY · health 88/100 · $116.9M · 2025Q4
Call Report peers
COMMUNITY in the assets neighbourhood
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COMMUNITY vs every NCUA-scored credit union
COMMUNITY sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Where COMMUNITY diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 89.70% here, 72.20% peer average (+17.50 pp).
- Net Worth Ratio trails the peer set - 10.32% here, 12.11% peer average (-1.79 pp).
COMMUNITY: in-state Call Report ranks
- Health composite ranks #24 of 48 among scored Maine credit unions.
- By total assets, COMMUNITY is #35 of 48 in Maine.
- Membership ranks #22 of 48 among Maine CUs with a reported count (13,601 members).
- One place up in Maine, BANGOR (#23) scores 89/100, 1 point higher; one place down, TRADEMARK (#25) ties at 88/100.
How COMMUNITY's 5300 filing moved
COMMUNITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $116.9M (2025Q4) to $120.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (10.62% → 10.32%).
At 10.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
COMMUNITY gives up 12 points in total. Delinquency Rate costs the most, 11.7 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for COMMUNITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.32% | -1.79 pp |
| Delinquency Rate | 1.89% | +1.00 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 6.88% | - |
| Loan-to-Share Ratio | 89.70% | +17.50 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - COMMUNITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $120.7M | - |
| 2025Q4 | $116.9M | 13,601 |
| 2024Q4 | $110.7M | 12,726 |
| 2023Q4 | $100.0M | 12,294 |
Credit Union Details
- Charter Number
- 63447
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, COMMUNITY runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Community Credit Union (Main Office) | Lewiston, ME |
| CCU Auburn Branch | Auburn, ME |
| CCU Turner Branch | Turner, ME |
| Maine Credit Union League | 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.
Nationwide credit unions with similar profiles
Using this data
- COMMUNITY ranks #1,495 of 4,374 nationally on financial health and #24 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CASCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CASCO
Frequently Asked Questions
Is COMMUNITY financially healthy?
On its 2025Q4 NCUA 5300 filing, COMMUNITY scores 88/100 (Excellent), with a 10.32% net worth ratio and 1.89% of loans delinquent. It ranks #1,495 of 4,374 nationally on health and #24 of 48 in Maine.
How does COMMUNITY compare to other credit unions?
COMMUNITY scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.70% vs 72.20%). Its widest shortfall is net worth ratio (10.32% vs 12.11%).
How can I join COMMUNITY?
Membership eligibility for COMMUNITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COMMUNITY directly for current membership requirements and application steps.
Is my money safe at COMMUNITY?
COMMUNITY is a state-chartered 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. COMMUNITY's net worth ratio of 10.32% 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.