Federal credit union · Madawaska, Maine · NCUA charter #4261
NORSTATE
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $277.7M
- Total assets
- 14,140
- Members
- 11.4%
- Net-worth ratio
NORSTATE scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $277.7M; members 14,140; net-worth ratio 11.42%; health rank #3,767 of 4,374; healthier than 13th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,767 of 4,374 health · 2025Q4NORSTATE · health 67/100 · $277.7M · 2025Q4
- CAMELS 67/100
- HEALTH 11.4%
- NW 1.79%
- DELQ -0.48%
- ROA $277.7M
- ASSETS 14,140
- MEM #3,767/4,374
- RANK General Electric Employees
- PHOTO 4261
Call Report peers
NORSTATE in the assets neighbourhood
NORSTATE's $277.7M assets sit next to General Electric Employees ($277.7M) 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.
NORSTATE 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
67 13th percentile higher than 13% 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
NORSTATE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4261, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where NORSTATE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 79.43% here, 72.20% peer average (+7.23 pp).
- Return on Assets trails the peer set - -0.48% here, 0.62% peer average (-1.10 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NORSTATE sits in Maine
- Maine health ordinal: #47 of 48.
- Maine assets place: #19 of 48.
- Member book place in Maine: #21 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.
NORSTATE: 2025Q4 → 2026Q1
NORSTATE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $277.7M (2025Q4) to $280.4M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.43% → 11.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.1 pts
- Return on Assets 0.2 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.1 pts
NORSTATE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 1.79% | +0.90 pp |
| Return on Assets | -0.48% | -1.10 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 79.43% | +7.23 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).
NORSTATE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $280.4M | - |
| 2025Q4 | $277.7M | 14,140 |
| 2024Q4 | $267.4M | 14,251 |
| 2023Q4 | $254.7M | 14,532 |
Credit Union Details
- Charter Number
- 4261
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Madawaska
- Data Quarter
- 2025Q4
Branch Locations (6)
NORSTATE operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Madawaska Office (Main Office) | Madawaska, ME |
| Ashland Branch | Ashland, ME |
| Eagle Lake Branch | Eagle Lake, ME |
| Fort Kent Branch | Fort Kent, ME |
| Presque Isle | Presque Isle, ME |
| Van Buren Office | Van Buren, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for NORSTATE, both outside Maine so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($277.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- NORSTATE ranks #3,767 of 4,374 nationally on financial health and #47 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maine Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maine Family
- 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 NORSTATE financially healthy?
NORSTATE scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,767 of 4,374; by total assets it ranks #1,076 of 4,374 nationally (same basis as /rankings/largest); and #19 of 48 within Maine. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.42% net worth ratio and a 1.79% delinquency rate.
How does NORSTATE compare to other credit unions?
On PlainCU's health composite, NORSTATE lands at 67/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 NORSTATE?
NORSTATE 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 NORSTATE directly for the exact boundaries and application steps.
Is my money safe at NORSTATE?
Federal credit unions like NORSTATE 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. NORSTATE's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NORSTATE offer compared to banks?
Credit unions like NORSTATE 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 NORSTATE 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.