State credit union · Baileyville, Maine · NCUA charter #68563
Downeast
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $314.0M
- Total assets
- 24,718
- Members
- 9.1%
- Net-worth ratio
Downeast - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68563. See our deposit-insurance coverage note.
Downeast - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)81
- Earnings (ROA)69
- Member growth100
- Liquidity (loan-to-share)92
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.06% | 30% |
| Delinquency Rate | 0.97% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | 6.15% | 15% |
| Loan-to-Share Ratio | 92.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $314.0M | 24,718 |
| 2024Q4 | $287.9M | 23,287 |
| 2023Q4 | $265.0M | 22,188 |
Credit Union Details
- Charter Number
- 68563
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Baileyville
- Data Quarter
- 2025Q4
What This Data Says About Downeast
Headquartered in Baileyville, Maine, Downeast is a state credit union with 24,718 members, $314.0M in total assets, and $261.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 87/100 (Excellent), driven in part by a net worth ratio of 9.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68563 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.97% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 92.80% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.19% on net income of $610K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.15%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Downeast financially healthy?
Downeast scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.06% net worth ratio and a 0.97% delinquency rate.
How does Downeast compare to other credit unions?
PlainCU's health composite puts Downeast at 87/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Downeast?
Membership eligibility for Downeast depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Downeast directly for current membership requirements and application steps.
Is my money safe at Downeast?
Federal credit unions like Downeast 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. Downeast's net worth ratio of 9.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Downeast offer compared to banks?
Credit unions like Downeast 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 Downeast directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.