Federal credit union · Lewiston, Maine · NCUA charter #5144
Milestones
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $35.3M
- Total assets
- 1,807
- Members
- 8.1%
- Net-worth ratio
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.
Milestones - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth69
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.14% | 30% |
| Delinquency Rate | 0.47% | 25% |
| Return on Assets | 0.74% | 15% |
| Member Growth | 1.06% | 15% |
| Loan-to-Share Ratio | 74.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Milestones
Charter #5144, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Milestones, a federal credit union in Lewiston, Maine with 1,807 members, $35.3M in total assets, and $23.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 91/100 (Excellent), helped by a net worth ratio of 8.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 74.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.47% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.74% on net income of $263K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Milestones financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Milestones's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.14% 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 91/100 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 8.14% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.