Federal credit union · Lewiston, Maine · NCUA charter #11144
DIRIGO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $472.7M
- Total assets
- 28,431
- Members
- 10.1%
- Net-worth ratio
DIRIGO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $472.7M; members 28,431; net-worth ratio 10.09%; health rank #288 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#288 of 4,374 health · 2025Q4DIRIGO · health 96/100 · $472.7M · 2025Q4
Call Report peers
DIRIGO in the assets neighbourhood
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DIRIGO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DIRIGO sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where DIRIGO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 89.17% here, 72.20% peer average (+16.97 pp).
- Net Worth Ratio trails the peer set - 10.09% here, 12.11% peer average (-2.02 pp).
Maine standing for DIRIGO
- Health composite ranks #4 of 48 among scored Maine credit unions.
- Maine assets place: #9 of 48.
- Member book place in Maine: #10 of 48.
- One place up in Maine, The County (#3) scores 98/100, 2 points higher; one place down, MILESTONES (#5) scores 95/100, 1 point lower.
DIRIGO Call Report trajectory
DIRIGO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $472.7M (2025Q4) to $494.9M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.48% → 10.09%).
At 10.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
DIRIGO gives up 4 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for DIRIGO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.09% | -2.02 pp |
| Delinquency Rate | 0.79% | -0.10 pp |
| Return on Assets | 0.56% | -0.06 pp |
| Member Growth | 4.17% | - |
| Loan-to-Share Ratio | 89.17% | +16.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DIRIGO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $494.9M | - |
| 2025Q4 | $472.7M | 28,431 |
| 2024Q4 | $436.0M | 27,293 |
| 2023Q4 | $409.0M | 26,382 |
Credit Union Details
- Charter Number
- 11144
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for DIRIGO, spread across 5 cities.
| Office | City |
|---|---|
| Auburn | Auburn, ME |
| Forrestal | Lewiston, ME |
| Mechanic Falls | Mechanic Falls, ME |
| Scarborough | Scarborough, ME |
| South Paris | South Paris, 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
- DIRIGO ranks #288 of 4,374 nationally on financial health and #4 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cumberland County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cumberland County
Frequently Asked Questions
Is DIRIGO financially healthy?
DIRIGO has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #288 of 4,374 nationally on health and #4 of 48 in Maine. Its net worth ratio is 10.09% and its delinquency rate 0.79%.
How does DIRIGO compare to other credit unions?
DIRIGO scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.17% vs 72.20%). Its widest shortfall is net worth ratio (10.09% vs 12.11%).
How can I join DIRIGO?
DIRIGO 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 DIRIGO directly for the exact boundaries and application steps.
Is my money safe at DIRIGO?
DIRIGO 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. DIRIGO's net worth ratio of 10.09% 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.