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
- MEM 91/100
- RANK 11.0%
- PHOTO 0.34%
- BOOK 0.30%
- CHARTER $266.8M
- NCUSIF 16,007
- CAMELS #960/4,374
- HEALTH Minnequa Works
- NW 10898
Call Report peers
MIDCOAST in the assets neighbourhood
MIDCOAST's $266.8M assets sit next to Minnequa Works ($265.9M) 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.
MIDCOAST 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
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
MIDCOAST - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10898 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MIDCOAST
MIDCOAST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $266.8M (2025Q4) to $266.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.97% → 11.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
MIDCOAST's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($266.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 MIDCOAST financially healthy?
A 11.03% net worth ratio and a 0.34% delinquency rate feed into MIDCOAST's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #960 of 4,374; by total assets it ranks #1,097 of 4,374 nationally (same basis as /rankings/largest); and #20 of 48 within Maine. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MIDCOAST compare to other credit unions?
MIDCOAST scores 91/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like MIDCOAST 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. MIDCOAST's net worth ratio of 11.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MIDCOAST offer compared to banks?
Credit unions like MIDCOAST 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 MIDCOAST 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.