Federal credit union · SOUTH PORTLAND, Maine · NCUA charter #17436
Maine Solutions
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $20.6M
- Total assets
- 1,183
- Members
- 9.8%
- Net-worth ratio
Maine Solutions scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.6M; members 1,183; net-worth ratio 9.77%; health rank #3,290 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,290 of 4,374 health · 2025Q4Maine Solutions · health 75/100 · $20.6M · 2025Q4
- ASSETS 75/100
- MEM 9.8%
- RANK 0.84%
- PHOTO 0.17%
- BOOK $20.6M
- CHARTER 1,183
- NCUSIF #3,290/4,374
- CAMELS Hutchinson Government Employees
- HEALTH 17436
Call Report peers
Maine Solutions in the assets neighbourhood
Maine Solutions's $20.6M assets sit next to Hutchinson Government Employees ($20.6M) 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 Solutions 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
75 24th percentile higher than 24% 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 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.
Where Maine Solutions diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 63.59% vs peer 59.80% (+3.79 pp).
- Net Worth Ratio trails the peer set - 9.77% here, 14.86% peer average (-5.09 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Maine Solutions sits in Maine
- Maine health ordinal: #45 of 48.
- Assets rank #47 of 48 inside Maine ($20.6M reported).
- Member book place in Maine: #47 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 Solutions: 2025Q4 → 2026Q1
Maine Solutions: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $20.6M (2025Q4) to $21.5M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.13% → 9.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 21.6 pts
- Return on Assets 10.1 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 13.3 pts
Maine Solutions health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.77% | -5.09 pp |
| Delinquency Rate | 0.84% | -0.31 pp |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | -4.67% | - |
| Loan-to-Share Ratio | 63.59% | +3.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.5M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Maine Solutions, spread across 2 cities.
| Office | City |
|---|---|
| CU Branch (Main Office) | South Portland, ME |
| Synergent | New Gloucester, ME |
| Coast Line Credit Union | South Portland, 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 Solutions
Two NCUA Call Report peer sets for Maine Solutions, 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 ($20.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Maine Solutions ranks #3,290 of 4,374 nationally on financial health and #45 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MILESTONES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MILESTONES
- 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 Solutions financially healthy?
Maine Solutions scores 75/100 (Very Good) 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 #3,290 of 4,374; by total assets it ranks #3,128 of 4,374 nationally (same basis as /rankings/largest); and #47 of 48 within Maine. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.77% 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 75/100, 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 9.77% 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.
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.