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
Call Report peers
Maine Highlands in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Maine Highlands sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Maine, Town & Country (#39) scores 82/100, 1 point higher; one place down, PEOPLESCHOICE (#41) scores 80/100, 1 point lower.
Maine Highlands: 2025Q4 → 2026Q1
Maine Highlands: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $221.8M (2025Q4) to $226.6M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.82% → 10.83%).
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
Maine Highlands gives up 19 points in total. Delinquency Rate costs the most, 14 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 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Maine Highlands financially healthy?
On its 2025Q4 NCUA 5300 filing, Maine Highlands scores 81/100 (Excellent), with a 10.83% net worth ratio and 2.24% of loans delinquent. It ranks #2,621 of 4,374 nationally on health and #40 of 48 in Maine.
How does Maine Highlands compare to other credit unions?
Maine Highlands scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.17% vs 0.62%). Its widest shortfall is delinquency rate (2.24% vs 0.89%).
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?
Maine Highlands 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. Maine Highlands's net worth ratio of 10.83% 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.