Federal credit union · SOUTH PORTLAND, Maine · NCUA charter #17436
Maine Solutions
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $20.6M
- Total assets
- 1,183
- Members
- 10.1%
- Net-worth ratio
Maine Solutions - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17436, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Maine Solutions - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)87
- Earnings (ROA)67
- Member growth4
- Liquidity (loan-to-share)90
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.13% | 30% |
| Delinquency Rate | 0.84% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -4.67% | 15% |
| Loan-to-Share Ratio | 63.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.6M | 1,183 |
| 2024Q4 | $20.5M | 1,241 |
| 2023Q4 | $21.1M | 1,319 |
Credit Union Details
- Charter Number
- 17436
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maine
- City
- SOUTH PORTLAND
- Data Quarter
- 2025Q4
What This Data Says About Maine Solutions
Headquartered in SOUTH PORTLAND, Maine, Maine Solutions is a federal credit union with 1,183 members, $20.6M in total assets, and $11.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 10.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #17436 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.84% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 63.59% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.17% on net income of $35K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.67%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Maine Solutions financially healthy?
Maine Solutions scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.13% net worth ratio and a 0.84% delinquency rate.
How does Maine Solutions compare to other credit unions?
PlainCU's health composite puts Maine Solutions at 76/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Solutions?
Maine Solutions 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 Solutions directly for the exact boundaries and application steps.
Is my money safe at Maine Solutions?
Federal credit unions like Maine Solutions 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 Solutions's net worth ratio of 10.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maine Solutions offer compared to banks?
Credit unions like Maine Solutions 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 Solutions directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.