State credit union · Baileyville, Maine · NCUA charter #68563
DOWNEAST
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $314.0M
- Total assets
- 24,718
- Members
- 8.8%
- Net-worth ratio
DOWNEAST scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $314.0M; members 24,718; net-worth ratio 8.81%; health rank #1,728 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,728 of 4,374 health · 2025Q4DOWNEAST · health 87/100 · $314.0M · 2025Q4
Call Report peers
DOWNEAST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DOWNEAST vs every NCUA-scored credit union
DOWNEAST sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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 DOWNEAST diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.80% vs peer 72.20% (+20.60 pp).
- Largest lag: Net Worth Ratio at 8.81% vs peer 12.11% (-3.30 pp).
DOWNEAST in Maine
- Maine health ordinal: #30 of 48.
- Maine assets place: #15 of 48.
- Membership ranks #11 of 48 among Maine CUs with a reported count (24,718 members).
- One place up in Maine, EASTMILL (#29) ties at 87/100; one place down, KATAHDIN (#31) scores 86/100, 1 point lower.
How DOWNEAST's 5300 filing moved
DOWNEAST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $314.0M (2025Q4) to $327.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (9.06% → 8.81%).
At 8.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
DOWNEAST gives up 13 points in total. Delinquency Rate costs the most, 4.7 of its 25; Member Growth scores full marks.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 10.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for DOWNEAST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.81% | -3.30 pp |
| Delinquency Rate | 0.97% | +0.07 pp |
| Return on Assets | 0.19% | -0.43 pp |
| Member Growth | 6.15% | - |
| Loan-to-Share Ratio | 92.80% | +20.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DOWNEAST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $327.7M | - |
| 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
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for DOWNEAST, spread across 8 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Baileyville, ME |
| Belfast | Belfast, ME |
| Brewer | Brewer, ME |
| Calais | Calais, ME |
| Machias | Machias, ME |
| Richmond | Richmond, ME |
| Topsham | Topsham, ME |
| Unity | Unity, 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.
DOWNEAST nationwide neighbourhoods
Using this data
- DOWNEAST ranks #1,728 of 4,374 nationally on financial health and #30 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OTIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OTIS
Frequently Asked Questions
Is DOWNEAST financially healthy?
DOWNEAST has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,728 of 4,374 nationally on health and #30 of 48 in Maine. Its net worth ratio is 8.81% and its delinquency rate 0.97%.
How does DOWNEAST compare to other credit unions?
DOWNEAST scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.80% vs 72.20%). Its widest shortfall is net worth ratio (8.81% vs 12.11%).
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?
DOWNEAST 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. DOWNEAST's net worth ratio of 8.81% 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.