Federal credit union · MEXICO, Maine · NCUA charter #2645
OXFORD
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $360.4M
- Total assets
- 20,116
- Members
- 15.8%
- Net-worth ratio
OXFORD scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $360.4M; members 20,116; net-worth ratio 15.80%; health rank #81 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#81 of 4,374 health · 2025Q4OXFORD · health 98/100 · $360.4M · 2025Q4
Call Report peers
OXFORD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OXFORD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OXFORD sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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
OXFORD vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 15.80% here, 12.11% peer average (+3.69 pp).
OXFORD: in-state Call Report ranks
- In Maine, health place is #1 of 48 on the same NCUA-ratio sort used nationally.
- Maine assets place: #14 of 48.
- Maine membership ordinal: #14 of 48.
- No Maine credit union scores higher; the runner-up, GARDINER (#2) ties at 98/100.
OXFORD: 2025Q4 → 2026Q1
OXFORD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $360.4M (2025Q4) to $370.2M (2026Q1).
- Net-worth ratio shifted +0.03 pp (15.77% → 15.80%).
At 15.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
OXFORD gives up 2 points in total. Member Growth costs the most, 2.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.1 pts
OXFORD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.80% | +3.69 pp |
| Delinquency Rate | 0.32% | -0.57 pp |
| Return on Assets | 1.60% | +0.98 pp |
| Member Growth | 3.22% | - |
| Loan-to-Share Ratio | 75.19% | +2.99 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
OXFORD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $370.2M | - |
| 2025Q4 | $360.4M | 20,116 |
| 2024Q4 | $331.9M | 19,488 |
| 2023Q4 | $309.8M | 19,237 |
Credit Union Details
- Charter Number
- 2645
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- MEXICO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for OXFORD, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MEXICO, ME |
| BRANCH OFFICE | NORWAY, ME |
| CO-OP FINANCIAL SERVICES | Tampa, FL |
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.
Other-state peers near OXFORD
Using this data
- OXFORD ranks #81 of 4,374 nationally on financial health and #1 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PEOPLESCHOICE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PEOPLESCHOICE
Frequently Asked Questions
Is OXFORD financially healthy?
On its 2025Q4 NCUA 5300 filing, OXFORD scores 98/100 (Excellent), with a 15.80% net worth ratio and 0.32% of loans delinquent. It ranks #81 of 4,374 nationally on health and #1 of 48 in Maine.
How does OXFORD compare to other credit unions?
OXFORD scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.80% vs 12.11%).
How can I join OXFORD?
OXFORD 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 OXFORD directly for the exact boundaries and application steps.
Is my money safe at OXFORD?
OXFORD 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. OXFORD's net worth ratio of 15.80% 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.