States
Credit unions in Maine: the best and largest of 48, compared
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
All 48 filers based in Maine, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Maine: credit unions that match
48
| Their members | 774K |
| Their assets | $13.6B |
| First on this sort | Atlantic Regional Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Atlantic Regional Federal Credit Union (Atlantic Federal Credit Union)South Portland | $1.14B | 49K | 10.78% | 0.61% | 11 | 5/5 |
| Maine Savings Federal Credit UnionHampden | $858M | 43K | 7.91% | 1.69% | 12 | 4/5 |
| Maine State Credit UnionAugusta | $806M | 38K | 9.78% | 0.79% | 5 | 4/5 |
| Evergreen Credit UnionPortland | $645M | 33K | 7.98% | 1.05% | 5 | 4/5 |
| Town & Country Federal Credit UnionScarborough | $621M | 39K | 8.49% | 0.35% | 6 | 4/5 |
| University Credit UnionOrono | $538M | 30K | 9.37% | 0.61% | 10 | 4/5 |
| The County Federal Credit UnionPresque Isle | $530M | 33K | 10.73% | 0.58% | 8 | 5/5 |
| Dirigo Federal Credit UnionLewiston | $498M | 29K | 10.13% | 0.93% | 5 | 4/5 |
| Cumberland County Federal Credit UnionFalmouth | $494M | 22K | 10.10% | 0.90% | 7 | 4/5 |
| Cport Credit UnionPortland | $435M | 38K | 10.66% | 0.82% | 6 | 4/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
48 credit unions based in Maine filed 774K members and $13.6B in assets with the National Credit Union Administration for June 30, 2026. Maine’s three largest credit unions, Atlantic Regional Federal Credit Union, Maine Savings Federal Credit Union and Maine State Credit Union, hold only 20.6% of assets, the lowest such share of any state. It is one of the least concentrated markets in the file, with 48 filers and just 3 under $50 million. Combined net worth stands at 10.60%, thinner than the 11.42% recorded nationwide. Loans two months late or worse come to 0.93%, close to the national 0.96%. The top three names hold 20.6% of assets, the lowest share. Each employee on file works out at 284 members, the 3rd lowest count. 9 filers report one branch or none, the 5th lowest share. Offices by city: Portland (14), Augusta (10), Bangor (10), Lewiston (8), out of 95 places in 16 counties. Every Maine filer of a year ago is still on file. Latest charter: Connected Credit Union, 1967, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.
What share of a state’s filers is federally insured?
Maine: federally insured
48 of 48
| Federal charter | 36 |
| State charter, federally insured | 12 |
| State charter, not federally insured | 0 |
Not federally insured means private or no share insurance: ask the credit union which.
Filings read by Radif Partners · Editorial policy · Method and sources
An even field and few outside names
Offices are close to home too: 207 locations, almost all belonging to credit unions based in Maine, and only 3 outside institutions with 12 offices. Most filers are mid-sized by local standards, so a person looking for a branch nearby usually has several names to choose from. The filer count held at 48.
Highest net worth (over $100 million): Katahdin FCU, 16.75%. Fewest late loans: Brewer FCU, 0.08%. Most branches: Ancorum CU, 16. Most members: Atlantic Regional FCU, 49K. Largest member change: Central Maine FCU, +22.89%. Next by assets: Evergreen CU, Town & Country FCU, University CU, The County FCU, Dirigo FCU, Cumberland County FCU. Smallest: Maine Media FCU, Maine Solutions FCU, Milestones FCU. Largest outside presence: Empeople CU, from IL, 6 offices.
Downeast CU (69.1%) leans most on vehicle loans, Saco Valley CU (63.7%) on first-lien home loans, Truchoice FCU (10.0%) on cards. Oldest charters: Coast Line CU, 1927; Cport CU, 1931; Maine State CU, 1935. University CU lost the most members in percentage terms, -4.36%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Maine | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 30.3% | 25th lowest | 27.5% |
| First-lien home loans, share of loans | 39.9% | 13th highest | 36.6% |
| Credit cards, share of loans | 2.4% | 19th lowest | 4.9% |
| Commercial loans without real estate, share of loans | 1.1% | 17th highest | 0.8% |
| Loans as a share of shares and deposits | 79.2% | 16th lowest | |
| Assets per member | $17,516 | 24th highest | |
| Members per reported branch | 3,870 | 8th lowest | |
| Members per employee (full- and part-time) | 284 | 3rd lowest | |
| Filers with one branch or none | 18.8% | 5th lowest | |
| Three largest names, share of assets | 20.6% | Lowest | |
| Fall in filer count over 12 months | 0.0% | Lowest | |
| Median year a charter opened | 1954 | 17th highest |
The largest in Maine
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Atlantic Regional Federal Credit Union (Atlantic Federal Credit Union) | South Portland | $1.14B | 49K | 10.78% | 0.61% | 11 | 5/5 |
| Maine Savings Federal Credit Union | Hampden | $858M | 43K | 7.91% | 1.69% | 12 | 4/5 |
| Maine State Credit Union | Augusta | $806M | 38K | 9.78% | 0.79% | 5 | 4/5 |
| Evergreen Credit Union | Portland | $645M | 33K | 7.98% | 1.05% | 5 | 4/5 |
| Town & Country Federal Credit Union | Scarborough | $621M | 39K | 8.49% | 0.35% | 6 | 4/5 |
| University Credit Union | Orono | $538M | 30K | 9.37% | 0.61% | 10 | 4/5 |
| The County Federal Credit Union | Presque Isle | $530M | 33K | 10.73% | 0.58% | 8 | 5/5 |
| Dirigo Federal Credit Union | Lewiston | $498M | 29K | 10.13% | 0.93% | 5 | 4/5 |
| Cumberland County Federal Credit Union | Falmouth | $494M | 22K | 10.10% | 0.90% | 7 | 4/5 |
| Cport Credit Union | Portland | $435M | 38K | 10.66% | 0.82% | 6 | 4/5 |
| Acadia Federal Credit Union | Fort Kent | $413M | 19K | 11.08% | 1.12% | 9 | 4/5 |
| Ancorum Credit Union | Bath | $402M | 31K | 9.51% | 1.60% | 16 | 3/5 |
| Oxford Federal Credit Union | Mexico | $370M | 21K | 16.16% | 0.48% | 5 | 5/5 |
| Peopleschoice Credit Union | Saco | $367M | 20K | 8.78% | 1.01% | 4 | 3/5 |
| Downeast Credit Union | Baileyville | $330M | 26K | 8.85% | 0.95% | 8 | 4/5 |
| Otis Federal Credit Union | Jay | $300M | 13K | 16.12% | 1.56% | 1 | 4/5 |
| Bangor Federal Credit Union | Bangor | $293M | 16K | 8.70% | 0.57% | 4 | 4/5 |
| Maine Family Federal Credit Union | Lewiston | $288M | 19K | 8.79% | 0.27% | 2 | 5/5 |
| Norstate Federal Credit Union | Madawaska | $280M | 14K | 11.59% | 1.74% | 6 | 3/5 |
| Midcoast Federal Credit Union | Freeport | $267M | 16K | 11.11% | 0.41% | 5 | 5/5 |
| Truchoice Federal Credit Union | South Portland | $257M | 13K | 11.09% | 1.72% | 3 | 3/5 |
| Seaboard Federal Credit Union | Bucksport | $246M | 14K | 8.90% | 1.42% | 3 | 4/5 |
| New Dimensions Federal Credit Union | Waterville | $244M | 16K | 7.93% | 1.54% | 5 | 3/5 |
| Maine Highlands Federal Credit Union | Dexter | $230M | 14K | 10.93% | 2.32% | 6 | 4/5 |
| Lisbon Community Federal Credit Union (LISBON CU) | Lisbon | $210M | 10K | 11.50% | 0.23% | 2 | 5/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Empeople Credit Union | IL | 6 | $2.26B | 8.31% |
| Lighthouse Federal Credit Union | NH | 5 | $2.22B | 10.15% |
| Trugrocer Federal Credit Union | ID | 1 | $320M | 16.03% |
In figures
| Measure | Maine | Federally insured, US |
|---|---|---|
| Credit unions | 48 | 4,214 |
| Members | 774K | 146.11M |
| Assets | $13.6B | $2.50T |
| Net worth ratio | 10.60% | 11.42% |
| Delinquency | 0.93% | 0.96% |
| Same-charter members, 12 months | +1.55% | n/a |
| Same-charter assets, 12 months | +5.42% | n/a |
| Filers a year earlier | 48 | n/a |
| Federal charters | 36 | 2,649 |
| State charters | 12 | 1,650 |
| Minority depository flag | 0 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.