Federal credit union · Freeport, Maine · NCUA charter #10898
MIDCOAST
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $266.8M
- Total assets
- 16,007
- Members
- 11.0%
- Net-worth ratio
MIDCOAST scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $266.8M; members 16,007; net-worth ratio 11.03%; health rank #960 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#960 of 4,374 health · 2025Q4MIDCOAST · health 91/100 · $266.8M · 2025Q4
Call Report peers
MIDCOAST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MIDCOAST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MIDCOAST sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Peer-gap read for MIDCOAST
- Loan-to-Share Ratio leads the peer set - 92.93% here, 72.20% peer average (+20.73 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.08 pp (11.03% vs 12.11%).
MIDCOAST: in-state Call Report ranks
- Maine health ordinal: #17 of 48.
- Maine assets place: #20 of 48.
- Member book place in Maine: #17 of 48.
- One place up in Maine, KSW (#16) ties at 91/100; one place down, Sabattus Regional (#18) ties at 91/100.
Quarter path for MIDCOAST
MIDCOAST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $266.8M (2025Q4) to $266.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.97% → 11.03%).
This credit union's 11.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
MIDCOAST gives up 9 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for MIDCOAST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.03% | -1.08 pp |
| Delinquency Rate | 0.34% | -0.56 pp |
| Return on Assets | 0.30% | -0.32 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 92.93% | +20.73 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MIDCOAST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $266.9M | - |
| 2025Q4 | $266.8M | 16,007 |
| 2024Q4 | $257.9M | 15,795 |
| 2023Q4 | $256.8M | 15,764 |
Credit Union Details
- Charter Number
- 10898
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Freeport
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, MIDCOAST runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Freeport Office (Main Office) | Freeport, ME |
| Bath Office | Bath, ME |
| Brunswick Office | Brunswick, ME |
| Edgecomb Office | Edgecomb, ME |
| Thomaston Office | Thomaston, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- MIDCOAST ranks #960 of 4,374 nationally on financial health and #17 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NORSTATE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NORSTATE
Frequently Asked Questions
Is MIDCOAST financially healthy?
MIDCOAST has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #960 of 4,374 nationally on health and #17 of 48 in Maine. Its net worth ratio is 11.03% and its delinquency rate 0.34%.
How does MIDCOAST compare to other credit unions?
MIDCOAST scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.93% vs 72.20%). Its widest shortfall is net worth ratio (11.03% vs 12.11%).
How can I join MIDCOAST?
MIDCOAST 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 MIDCOAST directly for the exact boundaries and application steps.
Is my money safe at MIDCOAST?
MIDCOAST 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. MIDCOAST's net worth ratio of 11.03% 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.