Federal credit union · Lewiston, Maine · NCUA charter #10221
Great Falls Regional
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $64.7M
- Total assets
- 4,728
- Members
- 13.2%
- Net-worth ratio
Great Falls Regional scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.7M; members 4,728; net-worth ratio 13.16%; health rank #2,850 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,850 of 4,374 health · 2025Q4Great Falls Regional · health 79/100 · $64.7M · 2025Q4
- DELQ 79/100
- ROA 13.2%
- ASSETS 0.96%
- MEM 1.20%
- RANK $64.7M
- PHOTO 4,728
- BOOK #2,850/4,374
- CHARTER Santa Barbara County
- NCUSIF 10221
Call Report peers
Great Falls Regional in the assets neighbourhood
Great Falls Regional's $64.7M assets sit next to Santa Barbara County ($64.7M) 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.
Great Falls Regional 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
79 33rd percentile higher than 33% 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
Great Falls Regional - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10221. See our deposit-insurance coverage note.
Great Falls Regional: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.55 pp (1.20% vs 0.66%).
- Largest lag: Loan-to-Share Ratio at 40.07% vs peer 62.60% (-22.53 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Great Falls Regional sits in Maine
- In Maine, health place is #42 of 48 on the same NCUA-ratio sort used nationally.
- Maine assets place: #45 of 48.
- Member book place in Maine: #41 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.
Quarter path for Great Falls Regional
Great Falls Regional: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $64.7M (2025Q4) to $65.8M (2026Q1).
- Net-worth ratio shifted -0.14 pp (13.30% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | -0.46 pp |
| Delinquency Rate | 0.96% | -0.00 pp |
| Return on Assets | 1.20% | +0.55 pp |
| Member Growth | -2.82% | - |
| Loan-to-Share Ratio | 40.07% | -22.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Great Falls Regional quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.8M | - |
| 2025Q4 | $64.7M | 4,728 |
| 2024Q4 | $61.7M | 4,865 |
| 2023Q4 | $60.3M | 5,012 |
Credit Union Details
- Charter Number
- 10221
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maine
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Locations (2)
Great Falls Regional operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 760 Minot Avenue (Main Office) | Auburn, ME |
| 1176 Main Street | Monmouth, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Other-state peers near Great Falls Regional
Two NCUA Call Report peer sets for Great Falls Regional, 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 ($64.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Great Falls Regional ranks #2,850 of 4,374 nationally on financial health and #42 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
- 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 Great Falls Regional financially healthy?
A 13.16% net worth ratio and a 0.96% delinquency rate feed into Great Falls Regional's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,850 of 4,374; by total assets it ranks #2,202 of 4,374 nationally (same basis as /rankings/largest); and #45 of 48 within Maine. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Great Falls Regional compare to other credit unions?
PlainCU's health composite puts Great Falls Regional at 79/100, compared to a peer group average for $50M–$100M 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 Great Falls Regional?
Great Falls Regional 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 Great Falls Regional directly for the exact boundaries and application steps.
Is my money safe at Great Falls Regional?
Federal credit unions like Great Falls Regional 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. Great Falls Regional's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Great Falls Regional offer compared to banks?
Credit unions like Great Falls Regional 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 Great Falls Regional 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.