Federal credit union · PORTLAND, Maine · NCUA charter #640
Maine Media
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $6.6M
- Total assets
- 888
- Members
- 16.1%
- Net-worth ratio
Maine Media scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.6M; members 888; net-worth ratio 16.09%; health rank #1,917 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,917 of 4,374 health · 2025Q4Maine Media · health 85/100 · $6.6M · 2025Q4
- RANK 85/100
- PHOTO 16.1%
- BOOK 0.75%
- CHARTER 0.84%
- NCUSIF $6.6M
- CAMELS 888
- HEALTH #1,917/4,374
- NW n/a
- DELQ 640
Call Report peers
Maine Media carries $6.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Maine Media 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
85 Top 46% higher than 54% 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 Media - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #640. See our deposit-insurance coverage note.
Peer-gap read for Maine Media
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +16.41 pp (80.01% vs 63.60%).
- Net Worth Ratio trails the peer set - 16.09% here, 19.06% peer average (-2.97 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Maine Media sits in Maine
- Maine health ordinal: #33 of 48.
- By total assets, Maine Media is #48 of 48 in Maine.
- Membership ranks #48 of 48 among Maine CUs with a reported count (888 members).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Maine Media's 5300 filing moved
Maine Media: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $6.6M (2025Q4) to $6.7M (2026Q1).
- Net-worth ratio shifted -0.26 pp (16.35% → 16.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 15.1 pts
Maine Media health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.09% | -2.97 pp |
| Delinquency Rate | 0.75% | -1.06 pp |
| Return on Assets | 0.84% | +0.39 pp |
| Member Growth | -3.69% | - |
| Loan-to-Share Ratio | 80.01% | +16.41 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.7M | - |
| 2025Q4 | $6.6M | 888 |
| 2024Q4 | $6.6M | 922 |
| 2023Q4 | $6.4M | 933 |
Credit Union Details
- Charter Number
- 640
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Maine
- City
- PORTLAND
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Maine Media runs 2 offices.
| Office | City |
|---|---|
| mmfcu (Main Office) | South Portland, ME |
| mmfcu | South Portland, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Maine Media
Two NCUA Call Report peer sets for Maine Media, both outside Maine so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Maine Media ranks #1,917 of 4,374 nationally on financial health and #33 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Solutions is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Solutions
- 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 Media financially healthy?
Maine Media scores 85/100 (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 #1,917 of 4,374; by total assets it ranks #3,757 of 4,374 nationally (same basis as /rankings/largest); and #48 of 48 within Maine. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.09% net worth ratio and a 0.75% delinquency rate.
How does Maine Media compare to other credit unions?
85/100 is Maine Media's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Media?
Maine Media 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 Media directly for the exact boundaries and application steps.
Is my money safe at Maine Media?
Federal credit unions like Maine Media 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 Media's net worth ratio of 16.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maine Media offer compared to banks?
Credit unions like Maine Media 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 Media 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.