TellerScore

Headquartered in Bath, Maine, Ancorum Credit Union is a federally insured state-chartered credit union with $401.8M in total assets and $356.0M in member shares and deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Ancorum Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 45th. Its strongest component is funding & liquidity (81/100; 80% loans-to-deposits, 4% uninsured), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.51%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.60%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity81/100
Loans ÷ shares: 79.7% · 4.3% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (57 → 53), mostly because the loan quality component weakened by 24 points.

TellerScore
506070Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202463
Q1 202559
Q2 202557
Q3 202550
Q4 202562
Q1 202670
Q2 202653
Net worth ratio
7.00%8.39%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.73%
Q3 20249.79%
Q4 20249.61%
Q1 20259.36%
Q2 20259.36%
Q3 20259.36%
Q4 20259.25%
Q1 20269.59%
Q2 20269.51%
Delinquent loans (60+ days)
0.32%0.96%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.40%
Q4 20240.54%
Q1 20250.32%
Q2 20250.88%
Q3 20251.56%
Q4 20250.32%
Q1 20260.52%
Q2 20261.60%
Return on assets
-0.17%0.60%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.72%
Q4 20240.58%
Q1 2025-0.17%
Q2 20250.23%
Q3 20250.30%
Q4 20250.19%
Q1 20261.38%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$401.8M9.51%1.60%0.59%79.7%
Q1 202670$405.7M9.59%0.52%1.38%78.8%
Q4 202562$395.0M9.25%0.32%0.19%81.7%
Q3 202550$394.9M9.36%1.56%0.30%82.7%
Q2 202557$396.7M9.36%0.88%0.23%82.8%
Q1 202559$399.4M9.36%0.32%-0.17%81.0%
Q4 202463$384.3M9.61%0.54%0.58%85.1%
Q3 202466$378.3M9.79%0.40%0.72%86.5%
Q2 202466$368.6M9.73%0.43%0.76%86.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.51%
21st
Problem loans1.60%
11th
Net charge-offs0.31%
56th
Return on assets0.59%
38th
Loans to deposits79.7%
41st
Uninsured deposits4.3%
68th
Loan-loss reserves0.00%
50th
Texas ratio15.0%
5th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Acadia Federal Credit UnionCredit union Fort Kent, ME60 out of 100, Moderate$412.8M11.1%1.12%vs
Oxford Federal Credit UnionCredit union Mexico, ME91 out of 100, Very strong$370.2M16.2%0.48%vs
Cport Credit UnionCredit union Portland, ME63 out of 100, Moderate$434.9M10.7%0.82%vs
Peopleschoice Credit UnionCredit union Biddeford, ME58 out of 100, Moderate$366.9M8.8%1.01%vs
Downeast Credit UnionCredit union Baileyville, ME54 out of 100, Below average$330.4M8.8%0.95%vs
Cumberland County Federal Credit UnionCredit union Falmouth, ME68 out of 100, Moderate$494.0M10.1%0.90%vs

Deposit insurance

Is my money safe at Ancorum Credit Union?

Yes. Ancorum Credit Union is a federally insured credit union (NCUA charter #67993). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.3% of shares and deposits ($15.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

Ancorum Credit Union lists 15 offices in 15 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ancorum Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67993
RSSD ID
637581
Primary regulator
State + NCUA
Established
1956
Headquarters
PO Box 598, Bath, ME 04530
Employees
146

Quick answers

Ancorum Credit Union: common questions

Is Ancorum Credit Union NCUA insured?

Yes. Ancorum Credit Union is a federally insured credit union (NCUA charter #67993). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ancorum Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ancorum Credit Union have?

15 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bath

InstitutionScoreAssetsCapitalProblem loansCompare
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs
Lisbon Community Federal Credit UnionCredit union Lisbon, ME78 out of 100, Strong$209.7M11.5%0.23%vs