State credit union · Augusta, Maine · NCUA charter #63377
Maine State
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $779.2M
- Total assets
- 37,275
- Members
- 9.9%
- Net-worth ratio
Maine State scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $779.2M; members 37,275; net-worth ratio 9.92%; health rank #2,159 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,159 of 4,374 health · 2025Q4Maine State · health 84/100 · $779.2M · 2025Q4
Call Report peers
Maine State in the assets neighbourhood
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Maine State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Maine State sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 State: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.27 pp (82.63% vs 83.90%).
Maine State: in-state Call Report ranks
- Maine health ordinal: #36 of 48.
- Assets rank #3 of 48 inside Maine ($779.2M reported).
- Membership ranks #4 of 48 among Maine CUs with a reported count (37,275 members).
- One place up in Maine, CONNECTED (#35) ties at 84/100; one place down, UNIVERSITY (#37) ties at 84/100.
How Maine State's 5300 filing moved
Maine State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $779.2M (2025Q4) to $787.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.98% → 9.92%).
This credit union's 9.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Maine State gives up 16 points in total. Delinquency Rate costs the most, 6 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 19.0 pts
- Return on Assets 9.5 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.2 pts
Maine State health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.92% | -1.26 pp |
| Delinquency Rate | 1.14% | +0.26 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | 1.21% | - |
| Loan-to-Share Ratio | 82.63% | -1.27 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Maine State quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $787.8M | - |
| 2025Q4 | $779.2M | 37,275 |
| 2024Q4 | $701.6M | 36,829 |
| 2023Q4 | $642.6M | 35,440 |
Credit Union Details
- Charter Number
- 63377
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Maine
- City
- Augusta
- Data Quarter
- 2025Q4
Branch Locations (5)
Maine State operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Capitol Street (Main Office) | Augusta, ME |
| East Side | Augusta, ME |
| Gray Branch | Gray, ME |
| Rockland Branch | Rockland, ME |
| Waterville Branch | Waterville, 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.
Cross-state Call Report peers for Maine State
Using this data
- Maine State ranks #2,159 of 4,374 nationally on financial health and #36 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Savings
Frequently Asked Questions
Is Maine State financially healthy?
On its 2025Q4 NCUA 5300 filing, Maine State scores 84/100 (Excellent), with a 9.92% net worth ratio and 1.14% of loans delinquent. It ranks #2,159 of 4,374 nationally on health and #36 of 48 in Maine.
How does Maine State compare to other credit unions?
Maine State scores 84/100, higher than 50% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (82.63% vs 83.90%).
How can I join Maine State?
Membership eligibility for Maine State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Maine State directly for current membership requirements and application steps.
Is my money safe at Maine State?
Maine State is a state-chartered 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 State's net worth ratio of 9.92% 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.