Institution Profile
Address: PO BOX 55 WINTHROP, ME 04364-0055
(207) 377-2124
Website:
NCUA Profile:
Charter Date:
1/1/1937
Charter Type:
Federal
Branches:
1
Branches by Region
ME 1
Financial Overview
Total Assets
$103.26M
Total Deposits
$90.89M
Total Loans
$56.41M
Members
7,942
Employees
16 15 Full-time / 1 Part-time
Allowance for Loan Losses
$270,624
Performance Ratios
Net Worth Ratio
11.40%
Loan-to-Deposit Ratio
62.06%
Coverage Ratio
0.48% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +45.93% Total Deposits: +44.76% Total Loans: +22.34% since 2020 Q1
Member Growth
Member Growth
Members: +7.94% since 2020 Q1
Employee Growth
Employee Growth
Employees: +14.29% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
747
Amount This Year (YTD)
$20.98M
Number of Loans per Quarter
Loans Granted: -10.71% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +53.28% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$27.62M 49.0%
1st Mortgages
$14.01M 24.8%
New Vehicle
$7.25M 12.9%
Other Secured
$3.81M 6.8%
HELOCs
$2.69M 4.8%
Other Unsecured
$601,401 1.1%
Credit Card
$427,899 0.8%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 7,942 | $103.26M | $90.89M | $56.41M | 16 |
| 2025 Q3 | 7,994 | $103.03M | $90.71M | $55.89M | 16 |
| 2025 Q2 | 7,984 | $101.71M | $90.11M | $55.73M | 16 |
| 2025 Q1 | 7,925 | $98.03M | $86.72M | $55.14M | 15 |
| 2024 Q4 | 7,854 | $94.17M | $83.14M | $54.56M | 16 |
| 2024 Q3 | 7,919 | $93.28M | $82.24M | $54.41M | 15 |
| 2024 Q2 | 7,898 | $93.72M | $82.76M | $53.86M | 15 |
| 2024 Q1 | 7,841 | $92.19M | $81.69M | $53.83M | 15 |
| 2023 Q4 | 7,792 | $89.30M | $79.06M | $52.80M | 15 |
| 2023 Q3 | 7,777 | $90.88M | $80.76M | $52.97M | 15 |
| 2023 Q2 | 7,863 | $89.93M | $80.11M | $52.80M | 15 |
| 2023 Q1 | 7,810 | $91.80M | $81.96M | $52.01M | 15 |
| 2022 Q4 | 7,760 | $91.11M | $81.66M | $51.98M | 13 |
| 2022 Q3 | 7,817 | $93.27M | $83.91M | $52.60M | 14 |
| 2022 Q2 | 7,805 | $93.72M | $84.61M | $51.34M | 13 |
| 2022 Q1 | 7,748 | $94.49M | $85.46M | $49.57M | 14 |
| 2021 Q4 | 7,686 | $92.64M | $83.74M | $47.83M | 14 |
| 2021 Q3 | 7,687 | $90.43M | $81.67M | $48.04M | 14 |
| 2021 Q2 | 7,643 | $89.99M | $81.36M | $46.87M | 13 |
| 2021 Q1 | 7,585 | $85.08M | $76.41M | $47.13M | 13 |
| 2020 Q4 | 7,499 | $80.82M | $71.85M | $47.14M | 13 |
| 2020 Q3 | 7,417 | $80.23M | $71.57M | $47.40M | 13 |
| 2020 Q2 | 7,423 | $76.31M | $68.05M | $46.94M | 13 |
| 2020 Q1 | 7,358 | $70.76M | $62.78M | $46.11M | 14 |
Interest Rates
Current average rates by loan type
New Vehicle
6.25%
Used Vehicle
6.25%
1st Mortgage (Fixed)
5.75%
HELOC
6.00%
Credit Card
11.50%
Other Unsecured
9.50%