Institution Profile
Address: 420 Brunswick Ave Gardiner, ME 04345-2836
(207) 582-2676
Website:
NCUA Profile:
Charter Date:
1/1/1953
Charter Type:
Federal
Branches:
1
Branches by Region
ME 1
Financial Overview
Total Assets
$93.58M
Total Deposits
$78.15M
Total Loans
$57.67M
Members
5,452
Employees
13 13 Full-time / 0 Part-time
Allowance for Loan Losses
$141,439
Performance Ratios
Net Worth Ratio
16.15%
Loan-to-Deposit Ratio
73.80%
Coverage Ratio
0.25% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +69.59% Total Deposits: +66.21% Total Loans: +55.77% since 2020 Q1
Member Growth
Member Growth
Members: +7.62% since 2020 Q1
Employee Growth
Employee Growth
Employees: -7.14% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
1,046
Amount This Year (YTD)
$20.32M
Number of Loans per Quarter
Loans Granted: +23.46% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +63.38% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$25.84M 44.8%
1st Mortgages
$14.73M 25.5%
New Vehicle
$5.30M 9.2%
Other Secured
$4.31M 7.5%
HELOCs
$3.57M 6.2%
Other Unsecured
$2.60M 4.5%
Credit Card
$1.11M 1.9%
CRE: Owner-Occupied
$217,881 0.4%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 5,452 | $93.58M | $78.15M | $57.67M | 13 |
| 2025 Q3 | 5,449 | $92.16M | $77.11M | $57.92M | 15 |
| 2025 Q2 | 5,417 | $91.42M | $76.39M | $56.49M | 15 |
| 2025 Q1 | 5,364 | $88.57M | $74.22M | $54.77M | 15 |
| 2024 Q4 | 5,284 | $84.80M | $71.03M | $53.42M | 15 |
| 2024 Q3 | 5,239 | $83.23M | $69.88M | $52.06M | 14 |
| 2024 Q2 | 5,205 | $83.10M | $70.09M | $49.43M | 14 |
| 2024 Q1 | 5,155 | $83.71M | $71.24M | $46.96M | 14 |
| 2023 Q4 | 5,143 | $81.31M | $69.20M | $45.93M | 14 |
| 2023 Q3 | 5,147 | $83.15M | $71.48M | $45.33M | 14 |
| 2023 Q2 | 5,173 | $82.88M | $71.49M | $44.73M | 13 |
| 2023 Q1 | 5,212 | $83.45M | $72.68M | $43.43M | 13 |
| 2022 Q4 | 5,160 | $80.66M | $70.29M | $42.96M | 13 |
| 2022 Q3 | 5,126 | $82.52M | $72.30M | $43.46M | 13 |
| 2022 Q2 | 5,126 | $81.39M | $71.59M | $41.42M | 13 |
| 2022 Q1 | 5,131 | $80.53M | $71.08M | $41.11M | 13 |
| 2021 Q4 | 5,134 | $78.02M | $68.52M | $40.60M | 13 |
| 2021 Q3 | 5,163 | $75.54M | $66.37M | $39.64M | 13 |
| 2021 Q2 | 5,122 | $74.63M | $64.72M | $38.07M | 14 |
| 2021 Q1 | 5,094 | $72.09M | $62.85M | $36.62M | 14 |
| 2020 Q4 | 5,094 | $65.52M | $56.67M | $37.69M | 13 |
| 2020 Q3 | 5,095 | $62.32M | $53.53M | $37.73M | 13 |
| 2020 Q2 | 5,076 | $61.10M | $52.33M | $37.61M | 15 |
| 2020 Q1 | 5,066 | $55.18M | $47.02M | $37.03M | 14 |
Interest Rates
Current average rates by loan type
New Vehicle
5.00%
Used Vehicle
5.70%
1st Mortgage (Fixed)
5.00%
HELOC
4.50%
Credit Card
9.90%
Other Unsecured
16.00%