Federal credit union · Presque Isle, Maine · NCUA charter #10794
The County
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $501.8M
- Total assets
- 31,923
- Members
- 10.8%
- Net-worth ratio
The County scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $501.8M; members 31,923; net-worth ratio 10.81%; health rank #119 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#119 of 4,374 health · 2025Q4The County · health 98/100 · $501.8M · 2025Q4
- PHOTO 98/100
- BOOK 10.8%
- CHARTER 0.60%
- NCUSIF 0.60%
- CAMELS $501.8M
- HEALTH 31,923
- NW #119/4,374
- DELQ Western Cooperative
- ROA 10794
Call Report peers
The County in the assets neighbourhood
The County's $501.8M assets sit next to Western Cooperative ($501.1M) 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.
The County 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
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
The County - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10794, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The County: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.27 pp (0.60% vs 0.87%).
- Net Worth Ratio trails the peer set - 10.81% here, 11.18% peer average (-0.37 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The County in Maine
- Maine health ordinal: #3 of 48.
- Assets rank #7 of 48 inside Maine ($501.8M reported).
- Member book place in Maine: #7 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.
The County Call Report trajectory
The County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $501.8M (2025Q4) to $520.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.09% → 10.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 15.1 pts
The County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.81% | -0.37 pp |
| Delinquency Rate | 0.60% | -0.27 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 4.09% | - |
| Loan-to-Share Ratio | 83.59% | -0.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
The County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $520.3M | - |
| 2025Q4 | $501.8M | 31,923 |
| 2024Q4 | $474.3M | 30,670 |
| 2023Q4 | $460.3M | 29,926 |
Credit Union Details
- Charter Number
- 10794
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maine
- City
- Presque Isle
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for The County, spread across 8 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Presque Isle, ME |
| Bangor Branch | Bangor, ME |
| Caribou Branch | Caribou, ME |
| Fort Fairfield Branch | Fort Fairfield, ME |
| Houlton Branch | Houlton, ME |
| Howland Branch | Howland, ME |
| Mars Hill Branch | Mars Hill, ME |
| Old Town Branch | Old Town, ME |
| Presque Isle Branch | Presque Isle, 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.
Other-state peers near The County
Two NCUA Call Report peer sets for The County, 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 ($501.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- The County ranks #119 of 4,374 nationally on financial health and #3 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIVERSITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIVERSITY
- 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 The County financially healthy?
The County has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #119 of 4,374; by total assets it ranks #747 of 4,374 nationally (same basis as /rankings/largest); and #7 of 48 within Maine. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.81% and delinquency rate of 0.60%.
How does The County compare to other credit unions?
On PlainCU's health composite, The County lands at 98/100, compared to a peer group average for Over $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 The County?
The County 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 The County directly for the exact boundaries and application steps.
Is my money safe at The County?
Federal credit unions like The County 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. The County's net worth ratio of 10.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The County offer compared to banks?
Credit unions like The County 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 The County 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.