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
Call Report peers
Great Falls Regional in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Great Falls Regional sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maine, PEOPLESCHOICE (#41) scores 80/100, 1 point higher; one place down, Sebasticook Valley (#43) scores 78/100, 1 point lower.
Quarter path for Great Falls Regional
Great Falls Regional: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $64.7M (2025Q4) to $65.8M (2026Q1).
- Net-worth ratio shifted -0.14 pp (13.30% → 13.16%).
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
Great Falls Regional gives up 21 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Great Falls Regional financially healthy?
Great Falls Regional has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,850 of 4,374 nationally on health and #42 of 48 in Maine. Its net worth ratio is 13.16% and its delinquency rate 0.96%.
How does Great Falls Regional compare to other credit unions?
Great Falls Regional scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.20% vs 0.66%). Its widest shortfall is loan-to-share ratio (40.07% vs 62.60%).
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?
Great Falls Regional 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. Great Falls Regional's net worth ratio of 13.16% 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.