Federal credit union · Jay, Maine · NCUA charter #9349
OTIS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $288.4M
- Total assets
- 12,370
- Members
- 16.0%
- Net-worth ratio
OTIS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $288.4M; members 12,370; net-worth ratio 16.01%; health rank #1,207 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,207 of 4,374 health · 2025Q4OTIS · health 89/100 · $288.4M · 2025Q4
Call Report peers
OTIS in the assets neighbourhood
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OTIS vs every NCUA-scored credit union
OTIS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Peer-gap read for OTIS
- Net Worth Ratio leads the peer set - 16.01% here, 12.11% peer average (+3.90 pp).
- Largest lag: Loan-to-Share Ratio at 55.97% vs peer 72.20% (-16.23 pp).
Maine standing for OTIS
- Maine health ordinal: #21 of 48.
- Assets rank #16 of 48 inside Maine ($288.4M reported).
- Member book place in Maine: #25 of 48.
- One place up in Maine, ACADIA (#20) scores 90/100, 1 point higher; one place down, Atlantic Regional (#22) ties at 89/100.
OTIS Call Report trajectory
OTIS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $288.4M (2025Q4) to $296.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (16.14% → 16.01%).
This credit union's 16.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
OTIS gives up 11 points in total. Delinquency Rate costs the most, 7.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.9 pts
OTIS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.01% | +3.90 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | 1.37% | +0.74 pp |
| Member Growth | 6.30% | - |
| Loan-to-Share Ratio | 55.97% | -16.23 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
OTIS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $296.3M | - |
| 2025Q4 | $288.4M | 12,370 |
| 2024Q4 | $263.6M | 11,637 |
| 2023Q4 | $242.2M | 11,211 |
Credit Union Details
- Charter Number
- 9349
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Jay
- Data Quarter
- 2025Q4
Branch Location
OTIS operates a single office in Jay, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Otis Federal Credit Union (Main Office) | Jay, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- OTIS ranks #1,207 of 4,374 nationally on financial health and #21 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BANGOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BANGOR
Frequently Asked Questions
Is OTIS financially healthy?
OTIS has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,207 of 4,374 nationally on health and #21 of 48 in Maine. Its net worth ratio is 16.01% and its delinquency rate 1.38%.
How does OTIS compare to other credit unions?
OTIS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.01% vs 12.11%). Its widest shortfall is loan-to-share ratio (55.97% vs 72.20%).
How can I join OTIS?
OTIS 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 OTIS directly for the exact boundaries and application steps.
Is my money safe at OTIS?
OTIS 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. OTIS's net worth ratio of 16.01% 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.