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
Call Report peers
The County in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); The County 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
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).
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.
- One place up in Maine, GARDINER (#2) ties at 98/100; one place down, DIRIGO (#4) scores 96/100, 2 points lower.
The County Call Report trajectory
The County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $501.8M (2025Q4) to $520.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.09% → 10.81%).
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
The County gives up 2 points in total. Member Growth costs the most, 1.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The County financially healthy?
On its 2025Q4 NCUA 5300 filing, The County scores 98/100 (Excellent), with a 10.81% net worth ratio and 0.60% of loans delinquent. It ranks #119 of 4,374 nationally on health and #3 of 48 in Maine.
How does The County compare to other credit unions?
The County scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.60% vs 0.87%). Its widest shortfall is net worth ratio (10.81% vs 11.18%).
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?
The County 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. The County's net worth ratio of 10.81% 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.