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
Call Report peers
Maine Solutions in the assets neighbourhood
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Maine Solutions vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Maine Solutions sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maine, TRUCHOICE (#44) scores 78/100, 3 points higher; one place down, SEABOARD (#46) scores 71/100, 4 points lower.
Maine Solutions: 2025Q4 → 2026Q1
Maine Solutions: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $20.6M (2025Q4) to $21.5M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.13% → 9.77%).
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
Maine Solutions gives up 25 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio loses the least, 0.6.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Maine Solutions financially healthy?
Maine Solutions has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,290 of 4,374 nationally on health and #45 of 48 in Maine. Its net worth ratio is 9.77% and its delinquency rate 0.84%.
How does Maine Solutions compare to other credit unions?
Maine Solutions scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.59% vs 59.80%). Its widest shortfall is net worth ratio (9.77% vs 14.86%).
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?
Maine Solutions 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 Solutions's net worth ratio of 9.77% 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.