Federal credit union · Dexter, Maine · NCUA charter #17398
Maine Highlands
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $221.8M
- Total assets
- 14,231
- Members
- 10.8%
- Net-worth ratio
Maine Highlands scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $221.8M; members 14,231; net-worth ratio 10.83%; health rank #2,621 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,621 of 4,374 health · 2025Q4Maine Highlands · health 81/100 · $221.8M · 2025Q4
- NW 81/100
- DELQ 10.8%
- ROA 2.24%
- ASSETS 1.17%
- MEM $221.8M
- RANK 14,231
- PHOTO #2,621/4,374
- BOOK STALEY
- CHARTER 17398
Call Report peers
Maine Highlands in the assets neighbourhood
Maine Highlands's $221.8M assets sit next to STALEY ($222.1M) 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.
Maine Highlands 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
81 39th percentile higher than 39% 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
Maine Highlands - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17398, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Maine Highlands
- Largest favorable gap: Return on Assets at 1.17% vs peer 0.62% (+0.55 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.34 pp (2.24% 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.
Maine Highlands: in-state Call Report ranks
- In Maine, health place is #40 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #24 of 48 inside Maine ($221.8M reported).
- Member book place in Maine: #20 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.
Maine Highlands: 2025Q4 → 2026Q1
Maine Highlands: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $221.8M (2025Q4) to $226.6M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.82% → 10.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Maine Highlands
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.83% | -1.28 pp |
| Delinquency Rate | 2.24% | +1.34 pp |
| Return on Assets | 1.17% | +0.55 pp |
| Member Growth | 0.64% | - |
| Loan-to-Share Ratio | 71.07% | -1.13 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).
Call Report history - Maine Highlands
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $226.6M | - |
| 2025Q4 | $221.8M | 14,231 |
| 2024Q4 | $200.6M | 14,141 |
| 2023Q4 | $176.9M | 14,000 |
Credit Union Details
- Charter Number
- 17398
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Dexter
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Maine Highlands, spread across 6 cities.
| Office | City |
|---|---|
| Main Office - Dexter (Main Office) | Dexter, ME |
| Brownville Branch | Brownville, ME |
| Canaan Branch | Canaan, ME |
| Dover Foxcroft Branch | Dover Foxcroft, ME |
| Greenville Branch | Greenville Junction, ME |
| Guilford Branch | Guilford, 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 Maine Highlands
Maine Highlands's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($221.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Maine Highlands ranks #2,621 of 4,374 nationally on financial health and #40 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Dimensions is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Dimensions
- 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 Maine Highlands financially healthy?
Maine Highlands scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,621 of 4,374; by total assets it ranks #1,208 of 4,374 nationally (same basis as /rankings/largest); and #24 of 48 within Maine. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.83% net worth ratio and a 2.24% delinquency rate.
How does Maine Highlands compare to other credit unions?
81/100 is Maine Highlands's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Maine Highlands?
Maine Highlands 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 Maine Highlands directly for the exact boundaries and application steps.
Is my money safe at Maine Highlands?
Federal credit unions like Maine Highlands 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. Maine Highlands's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maine Highlands offer compared to banks?
Credit unions like Maine Highlands 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 Maine Highlands 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.