Federal credit union · Falmouth, Maine · NCUA charter #9500
Cumberland County
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $479.5M
- Total assets
- 21,961
- Members
- 10.0%
- Net-worth ratio
Cumberland County scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $479.5M; members 21,961; net-worth ratio 9.96%; health rank #2,320 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,320 of 4,374 health · 2025Q4Cumberland County · health 83/100 · $479.5M · 2025Q4
- HEALTH 83/100
- NW 10.0%
- DELQ 1.46%
- ROA 0.73%
- ASSETS $479.5M
- MEM 21,961
- RANK #2,320/4,374
- PHOTO Healthcare Associates
- BOOK 9500
Call Report peers
Cumberland County in the assets neighbourhood
Cumberland County's $479.5M assets sit next to Healthcare Associates ($479.4M) 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.
Cumberland County 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
83 46th percentile higher than 46% 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
Cumberland County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9500 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Cumberland County diverges from peer averages
- Return on Assets leads the peer set - 0.73% here, 0.62% peer average (+0.10 pp).
- Largest lag: Loan-to-Share Ratio at 62.70% vs peer 72.20% (-9.50 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cumberland County: in-state Call Report ranks
- Health composite ranks #38 of 48 among scored Maine credit unions.
- Maine assets place: #8 of 48.
- Member book place in Maine: #12 of 48.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cumberland County: 2025Q4 → 2026Q1
Cumberland County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $479.5M (2025Q4) to $488.5M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.88% → 9.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 16.5 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Cumberland County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.96% | -2.15 pp |
| Delinquency Rate | 1.46% | +0.57 pp |
| Return on Assets | 0.73% | +0.10 pp |
| Member Growth | -0.24% | - |
| Loan-to-Share Ratio | 62.70% | -9.50 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).
Cumberland County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $488.5M | - |
| 2025Q4 | $479.5M | 21,961 |
| 2024Q4 | $453.5M | 22,013 |
| 2023Q4 | $426.2M | 22,059 |
Credit Union Details
- Charter Number
- 9500
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Falmouth
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Cumberland County, spread across 6 cities.
| Office | City |
|---|---|
| Falmouth (Main Office) | Falmouth, ME |
| Gray | Gray, ME |
| Cumberland County FCU | Gray, ME |
| Portland | Portland, ME |
| Westbrook | Westbrook, ME |
| Windham | Windham, ME |
| Yarmouth | Yarmouth, 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.
Cumberland County nationwide neighbourhoods
Two NCUA Call Report peer sets for Cumberland County, both outside Maine so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($479.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Cumberland County ranks #2,320 of 4,374 nationally on financial health and #38 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DIRIGO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DIRIGO
- 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 Cumberland County financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Cumberland County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,320 of 4,374; by total assets it ranks #771 of 4,374 nationally (same basis as /rankings/largest); and #8 of 48 within Maine. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.96% net worth ratio and 1.46% delinquency rate are the key drivers.
How does Cumberland County compare to other credit unions?
Cumberland County scores 83/100 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 Cumberland County?
Cumberland County 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 Cumberland County directly for the exact boundaries and application steps.
Is my money safe at Cumberland County?
Federal credit unions like Cumberland County 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. Cumberland County's net worth ratio of 9.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cumberland County offer compared to banks?
Credit unions like Cumberland County 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 Cumberland County 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.