Federal credit union · EAST MILLINOCKE, Maine · NCUA charter #9518
EASTMILL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $77.2M
- Total assets
- 4,081
- Members
- 18.7%
- Net-worth ratio
EASTMILL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.2M; members 4,081; net-worth ratio 18.67%; health rank #1,571 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,571 of 4,374 health · 2025Q4EASTMILL · health 87/100 · $77.2M · 2025Q4
Call Report peers
EASTMILL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EASTMILL vs every NCUA-scored credit union
EASTMILL 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
EASTMILL vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +5.05 pp (18.67% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 47.02% here, 62.60% peer average (-15.58 pp).
EASTMILL: in-state Call Report ranks
- Maine health ordinal: #29 of 48.
- By total assets, EASTMILL is #43 of 48 in Maine.
- Maine membership ordinal: #43 of 48.
- One place up in Maine, Coast Line (#28) ties at 87/100; one place down, DOWNEAST (#30) ties at 87/100.
How EASTMILL's 5300 filing moved
EASTMILL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $77.2M (2025Q4) to $78.6M (2026Q1).
- Net-worth ratio shifted -0.30 pp (18.97% → 18.67%).
At 18.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
EASTMILL gives up 13 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for EASTMILL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.67% | +5.05 pp |
| Delinquency Rate | 0.20% | -0.76 pp |
| Return on Assets | 0.85% | +0.19 pp |
| Member Growth | -1.14% | - |
| Loan-to-Share Ratio | 47.02% | -15.58 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
EASTMILL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.6M | - |
| 2025Q4 | $77.2M | 4,081 |
| 2024Q4 | $73.2M | 4,128 |
| 2023Q4 | $69.4M | 4,119 |
Credit Union Details
- Charter Number
- 9518
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maine
- City
- EAST MILLINOCKE
- Data Quarter
- 2025Q4
Branch Locations (4)
EASTMILL operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Eastmill Federal Credit Union (Main Office) | East Millinocket, ME |
| Synergent/Mecul Services | New Gloucester, ME |
| Eastmill Federal Credit Union | Patten, ME |
| Synergent/Mecul Services | Westbrook, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near EASTMILL
Using this data
- EASTMILL ranks #1,571 of 4,374 nationally on financial health and #29 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Capital Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Capital Area
Frequently Asked Questions
Is EASTMILL financially healthy?
EASTMILL has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,571 of 4,374 nationally on health and #29 of 48 in Maine. Its net worth ratio is 18.67% and its delinquency rate 0.20%.
How does EASTMILL compare to other credit unions?
EASTMILL scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (18.67% vs 13.62%). Its widest shortfall is loan-to-share ratio (47.02% vs 62.60%).
How can I join EASTMILL?
EASTMILL 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 EASTMILL directly for the exact boundaries and application steps.
Is my money safe at EASTMILL?
EASTMILL 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. EASTMILL's net worth ratio of 18.67% 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.