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
- NW 95/100
- DELQ 11.1%
- ROA 0.47%
- ASSETS 0.74%
- MEM $35.3M
- RANK 1,807
- PHOTO #394/4,374
- BOOK FINANTA
- CHARTER 5144
Call Report peers
MILESTONES in the assets neighbourhood
MILESTONES's $35.3M assets sit next to FINANTA ($35.3M) 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.
MILESTONES 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
95 Top 10% higher than 90% 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
MILESTONES - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5144 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MILESTONES: 2025Q4 → 2026Q1
MILESTONES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $35.3M (2025Q4) to $34.7M (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.83% → 11.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for MILESTONES - kept outside Maine; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 MILESTONES financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - MILESTONES's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #394 of 4,374; by total assets it ranks #2,711 of 4,374 nationally (same basis as /rankings/largest); and #46 of 48 within Maine. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.06% net worth ratio and 0.47% delinquency rate are the key drivers.
How does MILESTONES compare to other credit unions?
Five weighted metrics from NCUA filings produce MILESTONES's 95/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like MILESTONES 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. MILESTONES's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MILESTONES offer compared to banks?
Credit unions like MILESTONES 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 MILESTONES 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.