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.
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NCUA 5300 Call Report Masthead
#3,767 of 4,374 health · 2025Q4NORSTATE · health 67/100 · $277.7M · 2025Q4
Call Report peers
NORSTATE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); NORSTATE sits in 65-69 with 275 others.
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
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).
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.
- One place up in Maine, SEABOARD (#46) scores 71/100, 4 points higher; one place down, New Dimensions (#48) scores 66/100, 1 point lower.
NORSTATE: 2025Q4 → 2026Q1
NORSTATE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $277.7M (2025Q4) to $280.4M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.43% → 11.42%).
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
NORSTATE gives up 33 points in total. Return on Assets costs the most, 14.8 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is NORSTATE financially healthy?
NORSTATE has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,767 of 4,374 nationally on health and #47 of 48 in Maine. Its net worth ratio is 11.42% and its delinquency rate 1.79%.
How does NORSTATE compare to other credit unions?
NORSTATE scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.43% vs 72.20%). Its widest shortfall is return on assets (-0.48% vs 0.62%).
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?
NORSTATE 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. NORSTATE's net worth ratio of 11.42% 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.