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Maine Credit Union Performance
How the 48 credit unions based in Maine are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Maine's 48 credit unions serve 770,427 members and hold $13.43B in combined assets. The median Maine credit union earned a 0.78% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Maine credit unions was 0.31%, compared with -0.55% nationally. Median one-year asset growth was 5.66%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Maine at a glance
Maine vs. the United States
System totals are the sum of every credit union based in Maine. The share column is Maine's portion of the national figure.
| Measure | Maine | United States | Maine share |
|---|---|---|---|
| Credit unions | 48 | 4,335 | 1.1% |
| Members | 770,427 | 147,031,529 | 0.5% |
| Residents (population) | 1,405,012 | 340,110,988 | 0.4% |
| Total assets | $13.43B | $2,507.50B | 0.5% |
| Total loans | $9.15B | $1,744.86B | 0.5% |
| Total shares & deposits | $11.78B | $2,143.21B | 0.5% |
| Total net worth | $1.41B | $282.23B | 0.5% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Maine credit unions report about 55 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Maine credit unions serve members in other states, so it overstates true in-state penetration.)
The median Maine credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Maine CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.78% | 0.66% |
| Net worth ratio | 10.87% | 12.44% |
| Loan-to-share ratio | 76.06% | 67.86% |
| Delinquency ratio | 0.67% | 0.63% |
| Net charge-off ratio | 0.25% | 0.33% |
| Cost of funds | 1.51% | 1.05% |
| Member growth (1 yr) | 0.31% | -0.55% |
| Asset growth (1 yr) | 5.66% | 2.78% |
| Loan growth (1 yr) | 3.98% | 0.63% |
| Share growth (1 yr) | 5.60% | 2.36% |
| Net worth growth (1 yr) | 7.93% | 5.57% |
Trends over time
The median Maine credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.88% · 0.72%
— Maine ‑‑ U.S.
Net worth ratio 10.86% · 12.46%
— Maine ‑‑ U.S.
Loan-to-share ratio 77.93% · 69.70%
— Maine ‑‑ U.S.
Delinquency ratio 0.70% · 0.72%
— Maine ‑‑ U.S.
Asset growth (1 yr) 6.50% · 3.26%
— Maine ‑‑ U.S.
Member growth (1 yr) 0.51% · -0.52%
— Maine ‑‑ U.S.
Maine leaderboards
Largest by assets
- 1 Atlantic Regional Credit Union $1.08B
- 2 Maine Savings Credit Union $852.0M
- 3 Maine State Credit Union $787.8M
- 4 Evergreen Credit Union $641.4M
- 5 Town & Country Credit Union $627.6M
- 6 University Credit Union $529.6M
- 7 The County Credit Union $520.3M
- 8 Rainbow Credit Union $494.9M
- 9 Cumberland County Teachers Credit Union $488.5M
- 10 cPort Credit Union $439.2M
Highest return on assets
- 1 Hannaford Associates Credit Union 2.35%
- 2 KSW Credit Union 2.14%
- 3 Sebasticook Valley Credit Union 2.01%
- 4 Lincoln Maine Credit Union 1.92%
- 5 Gardiner Credit Union 1.85%
- 6 Oxford Credit Union 1.84%
- 7 Coast Line Credit Union 1.50%
- 8 BIW Five County Credit Union 1.40%
- 9 Capital Area Credit Union 1.35%
- 10 Otis Credit Union 1.29%
Fastest-growing (organic)
- 1 Lincoln Maine Credit Union 18.88%
- 2 KSW Credit Union 14.55%
- 3 Notre Dame Waterville Credit Union 13.55%
- 4 Gardiner Credit Union 11.38%
- 5 St. Croix Credit Union 10.85%
- 6 Evergreen Credit Union 9.13%
- 7 Franklin County Credit Union 8.38%
- 8 Otis Credit Union 8.02%
- 9 Rainbow Credit Union 8.00%
- 10 Kennebec Valley Credit Union 7.62%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Maine that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.