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
- PHOTO 94/100
- BOOK 11.4%
- CHARTER 0.11%
- NCUSIF 0.96%
- CAMELS $103.3M
- HEALTH 7,942
- NW #524/4,374
- DELQ Valley 1st Community
- ROA 2301
Call Report peers
Winthrop Area in the assets neighbourhood
Winthrop Area's $103.3M assets sit next to Valley 1st Community ($103.3M) 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.
Winthrop Area 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
94 Top 13% higher than 87% 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
Winthrop Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2301. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Winthrop Area: 2025Q4 → 2026Q1
Winthrop Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $103.3M (2025Q4) to $105.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.40% → 11.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
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).
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
Winthrop Area's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($103.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- 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 Winthrop Area financially healthy?
Winthrop Area has a financial health score of 94/100 (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 #524 of 4,374; by total assets it ranks #1,797 of 4,374 nationally (same basis as /rankings/largest); and #39 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 11.40% and delinquency rate of 0.11%.
How does Winthrop Area compare to other credit unions?
On PlainCU's health composite, Winthrop Area lands at 94/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like Winthrop Area 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. Winthrop Area's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Winthrop Area offer compared to banks?
Credit unions like Winthrop Area 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 Winthrop Area 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.