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
- MEM 90/100
- RANK 11.6%
- PHOTO 1.59%
- BOOK 1.27%
- CHARTER $147.4M
- NCUSIF 6,851
- CAMELS #1,118/4,374
- HEALTH 4U
- NW 17362
Call Report peers
Lincoln Maine in the assets neighbourhood
Lincoln Maine's $147.4M assets sit next to 4U ($147.5M) 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.
Lincoln Maine 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
90 Top 27% higher than 73% 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
Lincoln Maine - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #17362 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Lincoln Maine
Lincoln Maine: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.6% from $147.4M (2025Q4) to $161.6M (2026Q1).
- Net-worth ratio shifted -0.64 pp (12.28% → 11.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Lincoln Maine's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($147.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 Lincoln Maine financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Lincoln Maine's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,118 of 4,374; by total assets it ranks #1,500 of 4,374 nationally (same basis as /rankings/largest); and #28 of 48 within Maine. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.64% net worth ratio and 1.59% delinquency rate are the key drivers.
How does Lincoln Maine compare to other credit unions?
Five weighted metrics from NCUA filings produce Lincoln Maine's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Lincoln Maine 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. Lincoln Maine's net worth ratio of 11.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lincoln Maine offer compared to banks?
Credit unions like Lincoln Maine 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 Lincoln Maine 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.