Federal credit union · WINTHROP, Maine · NCUA charter #2301
Winthrop Area
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $103.3M
- Total assets
- 7,942
- Members
- 11.4%
- Net-worth ratio
Winthrop Area scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $103.3M; members 7,942; net-worth ratio 11.40%; health rank #524 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#524 of 4,374 health · 2025Q4Winthrop Area · health 94/100 · $103.3M · 2025Q4
Call Report peers
Winthrop Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Winthrop Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Winthrop Area sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Winthrop Area diverges from peer averages
- Delinquency Rate leads the peer set - 0.11% here, 0.89% peer average (-0.78 pp).
- Largest lag: Loan-to-Share Ratio at 62.06% vs peer 72.20% (-10.14 pp).
Winthrop Area: in-state Call Report ranks
- Health composite ranks #7 of 48 among scored Maine credit unions.
- Assets rank #39 of 48 inside Maine ($103.3M reported).
- Maine membership ordinal: #35 of 48.
- One place up in Maine, Central Maine (#6) ties at 94/100; one place down, K V (#8) scores 93/100, 1 point lower.
Winthrop Area: 2025Q4 → 2026Q1
Winthrop Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $103.3M (2025Q4) to $105.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.40% → 11.40%).
This credit union's 11.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Winthrop Area gives up 6 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -0.71 pp |
| Delinquency Rate | 0.11% | -0.78 pp |
| Return on Assets | 0.96% | +0.33 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 62.06% | -10.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Winthrop Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $105.1M | - |
| 2025Q4 | $103.3M | 7,942 |
| 2024Q4 | $94.2M | 7,854 |
| 2023Q4 | $89.3M | 7,792 |
Credit Union Details
- Charter Number
- 2301
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- WINTHROP
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Winthrop Area runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WINTHROP, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Winthrop Area ranks #524 of 4,374 nationally on financial health and #7 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KATAHDIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KATAHDIN
Frequently Asked Questions
Is Winthrop Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Winthrop Area scores 94/100 (Excellent), with a 11.40% net worth ratio and 0.11% of loans delinquent. It ranks #524 of 4,374 nationally on health and #7 of 48 in Maine.
How does Winthrop Area compare to other credit unions?
Winthrop Area scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.11% vs 0.89%). Its widest shortfall is loan-to-share ratio (62.06% vs 72.20%).
How can I join Winthrop Area?
Winthrop Area 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 Winthrop Area directly for the exact boundaries and application steps.
Is my money safe at Winthrop Area?
Winthrop Area 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. Winthrop Area's net worth ratio of 11.40% 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.