Federal credit union · Hampden, Maine · NCUA charter #14565
Maine Savings
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $845.7M
- Total assets
- 42,588
- Members
- 7.8%
- Net-worth ratio
Maine Savings scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $845.7M; members 42,588; net-worth ratio 7.76%; health rank #2,033 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,033 of 4,374 health · 2025Q4Maine Savings · health 85/100 · $845.7M · 2025Q4
- NCUSIF 85/100
- CAMELS 7.8%
- HEALTH 1.23%
- NW 0.46%
- DELQ $845.7M
- ROA 42,588
- ASSETS #2,033/4,374
- MEM Southwest Airlines
- RANK 14565
Call Report peers
Maine Savings in the assets neighbourhood
Maine Savings's $845.7M assets sit next to Southwest Airlines ($846.2M) 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 Savings 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 Savings - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14565. See our deposit-insurance coverage note.
Where Maine Savings diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.72% here, 83.90% peer average (+3.82 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.42 pp (7.76% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maine standing for Maine Savings
- Health composite ranks #34 of 48 among scored Maine credit unions.
- Maine assets place: #2 of 48.
- Maine membership ordinal: #2 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 Savings: 2025Q4 → 2026Q1
Maine Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $845.7M (2025Q4) to $852.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.72% → 7.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.76% 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 24.4 pts
- Delinquency Rate 18.3 pts
- Return on Assets 14.5 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.76% | -3.42 pp |
| Delinquency Rate | 1.23% | +0.36 pp |
| Return on Assets | 0.46% | -0.04 pp |
| Member Growth | 3.14% | - |
| Loan-to-Share Ratio | 87.72% | +3.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Maine Savings filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $852.0M | - |
| 2025Q4 | $845.7M | 42,588 |
| 2024Q4 | $792.2M | 41,292 |
| 2023Q4 | $734.6M | 38,559 |
Credit Union Details
- Charter Number
- 14565
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Maine
- City
- Hampden
- Data Quarter
- 2025Q4
Branch Locations (12)
Maine Savings operates 12 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hampden (Main Office) | Hampden, ME |
| Bangor, Hammond St | Bangor, ME |
| Bangor, Broadway | Bangor, ME |
| Stillwater | Bangor, ME |
| Jackson Laboratory | Bar Harbor, ME |
| Brewer | Brewer, ME |
| Corinth | Corinth, ME |
| Ellsworth | Ellsworth, ME |
| Milo | Milo, ME |
| Old Town/College Ave | Old Town, ME |
| Portland, Forest Ave | Portland, ME |
| Vassalboro | Vassalboro, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Maine Savings, both outside Maine so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($845.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Maine Savings ranks #2,033 of 4,374 nationally on financial health and #34 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine State
- 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 Savings financially healthy?
Maine Savings has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,033 of 4,374; by total assets it ranks #533 of 4,374 nationally (same basis as /rankings/largest); and #2 of 48 within Maine. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.76% and delinquency rate of 1.23%.
How does Maine Savings compare to other credit unions?
Maine Savings scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Maine Savings?
Maine Savings 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 Savings directly for the exact boundaries and application steps.
Is my money safe at Maine Savings?
Federal credit unions like Maine Savings 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 Savings's net worth ratio of 7.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maine Savings offer compared to banks?
Credit unions like Maine Savings 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 Savings 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.