Federal credit union · Lewiston, Maine · NCUA charter #5144
MILESTONES
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $35.3M
- Total assets
- 1,807
- Members
- 11.1%
- Net-worth ratio
MILESTONES scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.3M; members 1,807; net-worth ratio 11.06%; health rank #394 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#394 of 4,374 health · 2025Q4MILESTONES · health 95/100 · $35.3M · 2025Q4
Call Report peers
MILESTONES in the assets neighbourhood
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MILESTONES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MILESTONES sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MILESTONES diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.09% vs peer 59.80% (+14.29 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.80 pp (11.06% vs 14.86%).
Where MILESTONES sits in Maine
- Health composite ranks #5 of 48 among scored Maine credit unions.
- Maine assets place: #46 of 48.
- Membership ranks #46 of 48 among Maine CUs with a reported count (1,807 members).
- One place up in Maine, DIRIGO (#4) scores 96/100, 1 point higher; one place down, Central Maine (#6) scores 94/100, 1 point lower.
MILESTONES: 2025Q4 → 2026Q1
MILESTONES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.6% from $35.3M (2025Q4) to $34.7M (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.83% → 11.06%).
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
MILESTONES gives up 5 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for MILESTONES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -3.80 pp |
| Delinquency Rate | 0.47% | -0.68 pp |
| Return on Assets | 0.74% | +0.04 pp |
| Member Growth | 1.06% | - |
| Loan-to-Share Ratio | 74.09% | +14.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MILESTONES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.7M | - |
| 2025Q4 | $35.3M | 1,807 |
| 2024Q4 | $30.9M | 1,788 |
| 2023Q4 | $29.1M | 1,779 |
Credit Union Details
- Charter Number
- 5144
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Maine
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MILESTONES.
| Office | City |
|---|---|
| Main Office (Main Office) | Lewiston, 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.
MILESTONES nationwide neighbourhoods
Using this data
- MILESTONES ranks #394 of 4,374 nationally on financial health and #5 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Solutions is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Solutions
Frequently Asked Questions
Is MILESTONES financially healthy?
On its 2025Q4 NCUA 5300 filing, MILESTONES scores 95/100 (Excellent), with a 11.06% net worth ratio and 0.47% of loans delinquent. It ranks #394 of 4,374 nationally on health and #5 of 48 in Maine.
How does MILESTONES compare to other credit unions?
MILESTONES scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.09% vs 59.80%). Its widest shortfall is net worth ratio (11.06% vs 14.86%).
How can I join MILESTONES?
MILESTONES serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact MILESTONES directly for the current list of qualifying groups.
Is my money safe at MILESTONES?
MILESTONES 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. MILESTONES's net worth ratio of 11.06% 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.