State credit union · Orono, Maine · NCUA charter #63133
UNIVERSITY
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $526.6M
- Total assets
- 31,566
- Members
- 9.4%
- Net-worth ratio
UNIVERSITY scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $526.6M; members 31,566; net-worth ratio 9.37%; health rank #2,171 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,171 of 4,374 health · 2025Q4UNIVERSITY · health 84/100 · $526.6M · 2025Q4
Call Report peers
UNIVERSITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNIVERSITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIVERSITY sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
UNIVERSITY: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 101.77% here, 83.90% peer average (+17.87 pp).
- Net Worth Ratio trails the peer set - 9.37% here, 11.18% peer average (-1.81 pp).
UNIVERSITY in Maine
- Health composite ranks #37 of 48 among scored Maine credit unions.
- By total assets, UNIVERSITY is #6 of 48 in Maine.
- Maine membership ordinal: #8 of 48.
- One place up in Maine, Maine State (#36) ties at 84/100; one place down, Cumberland County (#38) scores 83/100, 1 point lower.
UNIVERSITY: 2025Q4 → 2026Q1
UNIVERSITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $526.6M (2025Q4) to $529.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.30% → 9.37%).
At 9.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
UNIVERSITY gives up 16 points in total. Loan-to-Share Ratio costs the most, 5.2 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.4 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 9.9 pts
UNIVERSITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.37% | -1.81 pp |
| Delinquency Rate | 0.39% | -0.49 pp |
| Return on Assets | 0.19% | -0.31 pp |
| Member Growth | 1.10% | - |
| Loan-to-Share Ratio | 101.77% | +17.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - UNIVERSITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $529.6M | - |
| 2025Q4 | $526.6M | 31,566 |
| 2024Q4 | $508.2M | 31,222 |
| 2023Q4 | $480.0M | 28,766 |
Credit Union Details
- Charter Number
- 63133
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Maine
- City
- Orono
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, UNIVERSITY runs 10 offices in 9 different cities.
| Office | City |
|---|---|
| 15 Main (Main Office) | Orono, ME |
| Augusta | Augusta, ME |
| Bangor | Bangor, ME |
| Farmington | Farmington, ME |
| Gorham Campus | Gorham, ME |
| Machias | Machias, ME |
| Memorial Union, U of M Campus, Orono | Orono, ME |
| Forest Avenue | Portland, ME |
| Presque Isle | Presque Isle, ME |
| Saco | Saco, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- UNIVERSITY ranks #2,171 of 4,374 nationally on financial health and #37 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The County
Frequently Asked Questions
Is UNIVERSITY financially healthy?
UNIVERSITY has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,171 of 4,374 nationally on health and #37 of 48 in Maine. Its net worth ratio is 9.37% and its delinquency rate 0.39%.
How does UNIVERSITY compare to other credit unions?
UNIVERSITY scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (101.77% vs 83.90%). Its widest shortfall is net worth ratio (9.37% vs 11.18%).
How can I join UNIVERSITY?
Membership eligibility for UNIVERSITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNIVERSITY directly for current membership requirements and application steps.
Is my money safe at UNIVERSITY?
UNIVERSITY is a state-chartered 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. UNIVERSITY's net worth ratio of 9.37% 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.