TellerScore

Atlantic Regional Federal Credit Union is a federal credit union headquartered in South Portland, Maine, in business for about 85 years. At the end of Q2 2026 it reported $1.1B in total assets and $980.5M in member shares and deposits, with 3 offices.

Atlantic Regional Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 47% of its 454 credit unions with $1 billion – $10 billion. Among 48 credit unions headquartered in Maine, it ranks 23rd. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.78%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity78/100
Loans ÷ shares: 82.3% · 6.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202464
Q1 202566
Q2 202567
Q3 202567
Q4 202567
Q1 202670
Q2 202667
Net worth ratio
7.00%9.11%11.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.50%
Q3 202410.53%
Q4 202410.59%
Q1 202510.45%
Q2 202510.67%
Q3 202510.75%
Q4 202511.22%
Q1 202611.06%
Q2 202610.78%
Delinquent loans (60+ days)
0.30%0.51%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.72%
Q4 20240.59%
Q1 20250.31%
Q2 20250.46%
Q3 20250.47%
Q4 20250.69%
Q1 20260.30%
Q2 20260.61%
Return on assets
0.16%0.38%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.23%
Q4 20240.26%
Q1 20250.16%
Q2 20250.41%
Q3 20250.43%
Q4 20250.46%
Q1 20260.33%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.1B10.78%0.61%0.60%82.3%
Q1 202670$1.1B11.06%0.30%0.33%76.3%
Q4 202567$1.1B11.22%0.69%0.46%78.2%
Q3 202567$1.1B10.75%0.47%0.43%78.0%
Q2 202567$1.1B10.67%0.46%0.41%77.6%
Q1 202566$1.1B10.45%0.31%0.16%76.0%
Q4 202464$1.1B10.59%0.59%0.26%78.2%
Q3 202462$1.1B10.53%0.72%0.23%79.7%
Q2 202462$1.1B10.50%0.72%0.16%80.1%

454 peers · $1 billion – $10 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 ratio10.78%
47th
Problem loans0.61%
58th
Net charge-offs0.22%
83rd
Return on assets0.60%
30th
Loans to deposits82.3%
65th
Uninsured deposits6.7%
74th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
60th

Deposit insurance

Is my money safe at Atlantic Regional Federal Credit Union?

Yes. Atlantic Regional Federal Credit Union is a federally insured credit union (NCUA charter #4281). 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 6.7% of shares and deposits ($65.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.78%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Atlantic Regional Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Atlantic Regional Federal Credit Union reported 586 home-loan applications under HMDA (LEI 5493009JEKX81THMLH86): 396 originated ($46,390,000 total), 114 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Atlantic Regional Federal Credit Union
Type
Federal credit union
NCUA charter #
4281
RSSD ID
169578
Primary regulator
NCUA
Established
1941
Headquarters
600 Sable Oaks Dr Suite 100, South Portland, ME 04106
Employees
200

Quick answers

Atlantic Regional Federal Credit Union: common questions

Is Atlantic Regional Federal Credit Union NCUA insured?

Yes. Atlantic Regional Federal Credit Union is a federally insured credit union (NCUA charter #4281). 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 Atlantic Regional Federal Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Atlantic Regional Federal Credit Union have?

3 offices as of the latest NCUA data.