State credit union · Saco, Maine · NCUA charter #68324
Saco Valley
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $190.8M
- Total assets
- 9,201
- Members
- 10.7%
- Net-worth ratio
Saco Valley scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $190.8M; members 9,201; net-worth ratio 10.65%; health rank #821 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#821 of 4,374 health · 2025Q4Saco Valley · health 92/100 · $190.8M · 2025Q4
- NCUSIF 92/100
- CAMELS 10.7%
- HEALTH 0.69%
- NW 0.68%
- DELQ $190.8M
- ROA 9,201
- ASSETS #821/4,374
- MEM Financial Trust
- RANK 68324
Call Report peers
Saco Valley in the assets neighbourhood
Saco Valley's $190.8M assets sit next to Financial Trust ($190.7M) 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.
Saco Valley 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
92 Top 20% higher than 80% 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
Saco Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68324: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Saco Valley diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.96% vs peer 72.20% (+20.76 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.46 pp (10.65% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Saco Valley in Maine
- Health composite ranks #11 of 48 among scored Maine credit unions.
- By total assets, Saco Valley is #26 of 48 in Maine.
- Maine membership ordinal: #31 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.
Quarter path for Saco Valley
Saco Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $190.8M (2025Q4) to $196.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (10.72% → 10.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.0 pts
Saco Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.65% | -1.46 pp |
| Delinquency Rate | 0.69% | -0.20 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | 0.79% | - |
| Loan-to-Share Ratio | 92.96% | +20.76 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).
Saco Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $196.0M | - |
| 2025Q4 | $190.8M | 9,201 |
| 2024Q4 | $182.7M | 9,129 |
| 2023Q4 | $171.4M | 9,125 |
Credit Union Details
- Charter Number
- 68324
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Saco
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Saco Valley, spread across 4 cities.
| Office | City |
|---|---|
| Downtown Saco Office (Main Office) | Saco, ME |
| Five County Credit Union | Portland, ME |
| Main Office | Saco, ME |
| Waterboro Branch Office | Waterboro, ME |
| Synergent | Westbrook, 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.
Other-state peers near Saco Valley
Cross-state asset and health neighbours for Saco Valley - kept outside Maine; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($190.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Saco Valley ranks #821 of 4,374 nationally on financial health and #11 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sebasticook Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sebasticook Valley
- 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 Saco Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Saco Valley carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #821 of 4,374; by total assets it ranks #1,297 of 4,374 nationally (same basis as /rankings/largest); and #26 of 48 within Maine. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.65% net worth ratio and a 0.69% delinquency rate.
How does Saco Valley compare to other credit unions?
PlainCU's health composite puts Saco Valley at 92/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Saco Valley?
Membership eligibility for Saco Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Saco Valley directly for current membership requirements and application steps.
Is my money safe at Saco Valley?
Federal credit unions like Saco Valley 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. Saco Valley's net worth ratio of 10.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Saco Valley offer compared to banks?
Credit unions like Saco Valley 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 Saco Valley 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.