State overview · Q4 2025

Maine Credit Unions

All 48 federally-insured credit unions in Maine, ranked by financial health, from NCUA 5300 Call Reports.

48
Credit unions
766K
Members
$13.1B
Combined assets
87/100
Avg health
48 CUs · avg health 87/100

Maine has 48 federally insured credit unions averaging 87/100 health on NCUA 5300 Call Report aggregates. Combined assets $13.1B; 41 score Excellent (80+). State leader: GARDINER at 98/100.

  • Mean delinquency rank #6 of 52 (lower DQ better)
  • Mean ROA rank #8 of 52
  • Data vintage 2026-09-06

Maine vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

48 33rd of 54 higher than 19 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Maine's 48 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)41 CUsGood (60–79)7 CUsFair (40–59)0 CUsWeak (<40)0 CUs

Maine Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 48 federally insured credit unions in Maine, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.82%
National rank #6 of 52 · lower DQ better
Mean ROA
0.77%
National rank #8 of 52
Mean loan-to-share
74.9%
Mean net worth 11.6% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
8.1%
Dispersed book, largest charter holds under 25% of combined Maine CU assets · concentration rank #1 of 52 (lower share = more dispersed) · largest by assets on this board: Atlantic Regional

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Maine is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Maine vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Maine highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Maine vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%ME - 11.58%, 0.818%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Maine highlighted.

All Credit Unions in Maine

Credit Union Health
GARDINER Gardiner 98
OXFORD MEXICO 98
The County Presque Isle 98
DIRIGO Lewiston 96
MILESTONES Lewiston 95
Central Maine Lewiston 94
Winthrop Area WINTHROP 94
CASCO Gorham 93
K V Augusta 93
ANCORUM Bath 92
BREWER BREWER 92
CPORT Portland 92
Lisbon Community Lisbon 92
Saco Valley Saco 92
Capital Area Augusta 91
KSW WATERVILLE 91
MIDCOAST Freeport 91
Sabattus Regional Sabattus 91
ACADIA FORT KENT 90
Lincoln Maine LINCOLN 90
Atlantic Regional South Portland 89
BANGOR Bangor 89
OTIS Jay 89
COMMUNITY Lewiston 88
EVERGREEN Portland 88
Maine Family Lewiston 88
TRADEMARK Augusta 88
Coast Line South Portland 87
DOWNEAST Baileyville 87
EASTMILL EAST MILLINOCKE 87
FRANKLIN-SOMERSET MADISON 86
KATAHDIN Millinocket 86
Maine Media PORTLAND 85
Maine Savings Hampden 85
CONNECTED AUGUSTA 84
Maine State Augusta 84
UNIVERSITY Orono 84
Cumberland County Falmouth 83
Town & Country SOUTH PORTLAND 82
Maine Highlands Dexter 81
PEOPLESCHOICE Biddeford 80
Great Falls Regional Lewiston 79
Sebasticook Valley PITTSFIELD 78
TRUCHOICE PORTLAND 78
Maine Solutions SOUTH PORTLAND 75
SEABOARD BUCKSPORT 71
NORSTATE Madawaska 67
New Dimensions Waterville 66

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Maine

Maine is home to 48 federally-insured credit unions collectively serving 766K members with $13.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 87/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. GARDINER of Gardiner currently leads the cohort with a health score of 98/100, while the full distribution spans 48 institutions ranked below.

The health distribution breaks into four bands: 41 credit unions score 80–100 (Excellent), 7 score 60–79 (Good), 0 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Maine's 48 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Maine: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($13.1B here).

District of Columbia $11.8B New Jersey $15.4B Connecticut $15.4B Kentucky $16.1B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (48 here).

Arkansas 48 CUs Oregon 48 CUs Nebraska 50 CUs South Carolina 46 CUs

Frequently Asked Questions

How many credit unions are in Maine?

There are 48 federally-insured credit unions in Maine as of Q4 2025, with a combined 766K members and $13.1B in total assets. That places Maine at #37 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Maine ranks #2 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Maine?

Based on NCUA Q4 2025 data, GARDINER in Gardiner ranks highest in Maine with a health score of 98/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Maine's data

  • GARDINER in Gardiner is the healthiest scored credit union in Maine at 98/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Maine's credit unions rank #6 of 52 nationally on delinquency rate (among the lowest) and #8 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Maine ranks #2 of 54 by average health score and #37 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.