Federal credit union · LINCOLN, Maine · NCUA charter #17362
Lincoln Maine
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $147.4M
- Total assets
- 6,851
- Members
- 11.6%
- Net-worth ratio
Lincoln Maine scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $147.4M; members 6,851; net-worth ratio 11.64%; health rank #1,118 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,118 of 4,374 health · 2025Q4Lincoln Maine · health 90/100 · $147.4M · 2025Q4
Call Report peers
Lincoln Maine in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lincoln Maine vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lincoln Maine sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Lincoln Maine vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +16.81 pp (89.01% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +0.69 pp (1.59% vs 0.89%).
Lincoln Maine: in-state Call Report ranks
- In Maine, health place is #19 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, Lincoln Maine is #28 of 48 in Maine.
- Member book place in Maine: #38 of 48.
- One place up in Maine, Sabattus Regional (#18) scores 91/100, 1 point higher; one place down, ACADIA (#20) ties at 90/100.
Quarter path for Lincoln Maine
Lincoln Maine: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.6% from $147.4M (2025Q4) to $161.6M (2026Q1).
- Net-worth ratio shifted -0.64 pp (12.28% → 11.64%).
This credit union's 11.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Lincoln Maine gives up 10 points in total. Delinquency Rate costs the most, 9.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | -0.47 pp |
| Delinquency Rate | 1.59% | +0.69 pp |
| Return on Assets | 1.27% | +0.64 pp |
| Member Growth | 4.36% | - |
| Loan-to-Share Ratio | 89.01% | +16.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $161.6M | - |
| 2025Q4 | $147.4M | 6,851 |
| 2024Q4 | $131.3M | 6,565 |
| 2023Q4 | $117.9M | 6,360 |
Credit Union Details
- Charter Number
- 17362
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- LINCOLN
- Data Quarter
- 2025Q4
Branch Locations (3)
Lincoln Maine operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LINCOLN MAINE FEDERAL CREDIT UNION (Main Office) | LINCOLN, ME |
| Lincoln Maine Federal Credit Union | Lincoln, ME |
| SYNERGENT | Westbrook, 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.
Other-state peers near Lincoln Maine
Using this data
- Lincoln Maine ranks #1,118 of 4,374 nationally on financial health and #19 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRANKLIN-SOMERSET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRANKLIN-SOMERSET
Frequently Asked Questions
Is Lincoln Maine financially healthy?
On its 2025Q4 NCUA 5300 filing, Lincoln Maine scores 90/100 (Excellent), with a 11.64% net worth ratio and 1.59% of loans delinquent. It ranks #1,118 of 4,374 nationally on health and #19 of 48 in Maine.
How does Lincoln Maine compare to other credit unions?
Lincoln Maine scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.01% vs 72.20%). Its widest shortfall is delinquency rate (1.59% vs 0.89%).
How can I join Lincoln Maine?
Lincoln Maine 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 Lincoln Maine directly for the exact boundaries and application steps.
Is my money safe at Lincoln Maine?
Lincoln Maine 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. Lincoln Maine's net worth ratio of 11.64% 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.