TellerScore

Bangor Federal Credit Union is a federal credit union headquartered in Bangor, Maine, in business for about 70 years. At the end of Q2 2026 it reported $293.2M in total assets and $267.2M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Bangor Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 24th. Its strongest component is funding & liquidity (94/100; 66% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (37/100; 8.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.70%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity94/100
Loans ÷ shares: 66.3% · 1.8% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.95%

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 (66 → 67).

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202461
Q1 202563
Q2 202566
Q3 202566
Q4 202566
Q1 202668
Q2 202667
Net worth ratio
7.00%7.85%8.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.29%
Q3 20248.18%
Q4 20248.01%
Q1 20258.05%
Q2 20258.18%
Q3 20258.34%
Q4 20258.46%
Q1 20268.47%
Q2 20268.70%
Delinquent loans (60+ days)
0.18%0.37%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.22%
Q4 20240.40%
Q1 20250.24%
Q2 20250.28%
Q3 20250.34%
Q4 20250.41%
Q1 20260.31%
Q2 20260.57%
Return on assets
0.33%0.68%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.46%
Q4 20240.51%
Q1 20250.51%
Q2 20250.76%
Q3 20250.78%
Q4 20250.83%
Q1 20260.84%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$293.2M8.70%0.57%1.03%66.3%
Q1 202668$291.0M8.47%0.31%0.84%65.4%
Q4 202566$283.9M8.46%0.41%0.83%67.2%
Q3 202566$279.3M8.34%0.34%0.78%69.7%
Q2 202566$277.6M8.18%0.28%0.76%69.7%
Q1 202563$273.9M8.05%0.24%0.51%70.0%
Q4 202461$271.0M8.01%0.40%0.51%70.8%
Q3 202463$259.6M8.18%0.22%0.46%72.8%
Q2 202463$250.3M8.29%0.18%0.33%74.6%

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 ratio8.70%
9th
Problem loans0.57%
59th
Net charge-offs0.20%
71st
Return on assets1.03%
68th
Loans to deposits66.3%
68th
Uninsured deposits1.8%
91st
Loan-loss reserves0.00%
50th
Texas ratio4.0%
52nd

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Maine Family Federal Credit UnionCredit union Lewiston, ME68 out of 100, Moderate$288.2M8.8%0.27%vs
Otis Federal Credit UnionCredit union Jay, ME80 out of 100, Strong$300.3M16.1%1.56%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs
Truchoice Federal Credit UnionCredit union Portland, ME60 out of 100, Moderate$257.4M11.1%1.72%vs
Downeast Credit UnionCredit union Baileyville, ME54 out of 100, Below average$330.4M8.8%0.95%vs

Deposit insurance

Is my money safe at Bangor Federal Credit Union?

Yes. Bangor Federal Credit Union is a federally insured credit union (NCUA charter #10939). 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 1.8% of shares and deposits ($4.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.70%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bangor Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bangor Federal Credit Union reported 76 home-loan applications under HMDA (LEI 549300E14W7X6ZY25478): 61 originated ($7,755,000 total), 11 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.3%, 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
Bangor Federal Credit Union
Type
Federal credit union
NCUA charter #
10939
RSSD ID
871684
Primary regulator
NCUA
Established
1956
Headquarters
P.O. Box 1161, Bangor, ME 04402
Employees
43

Quick answers

Bangor Federal Credit Union: common questions

Is Bangor Federal Credit Union NCUA insured?

Yes. Bangor Federal Credit Union is a federally insured credit union (NCUA charter #10939). 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 Bangor 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 Bangor Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bangor

InstitutionScoreAssetsCapitalProblem loansCompare
Sebasticook Valley Federal Credit UnionCredit union Pittsfield, ME84 out of 100, Strong$186.2M15.4%0.92%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Brewer Federal Credit UnionCredit union Brewer, ME73 out of 100, Strong$117.8M10.3%0.08%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
Katahdin Trust CompanyBank Patten, ME66 out of 100, Moderate$1.2B10.0%0.48%vs