TellerScore

Brewer Federal Credit Union is a federal credit union headquartered in Brewer, Maine, in business for about 66 years. At the end of Q2 2026 it reported $117.8M in total assets and $105.3M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Brewer Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 17th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is earnings (45/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.34%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 8.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.50%

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 rose 10 points (63 → 73), mostly because the loan quality component improved by 24 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202472
Q1 202564
Q2 202563
Q3 202566
Q4 202573
Q1 202673
Q2 202673
Net worth ratio
7.00%8.71%10.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.09%
Q3 202410.16%
Q4 202410.15%
Q1 202510.09%
Q2 202510.21%
Q3 202510.41%
Q4 202510.16%
Q1 202610.26%
Q2 202610.34%
Delinquent loans (60+ days)
0.08%0.45%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.30%
Q4 20240.12%
Q1 20250.73%
Q2 20250.82%
Q3 20250.74%
Q4 20250.12%
Q1 20260.09%
Q2 20260.08%
Return on assets
0.45%0.73%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20240.91%
Q4 20240.66%
Q1 20250.45%
Q2 20250.48%
Q3 20250.67%
Q4 20250.71%
Q1 20260.71%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$117.8M10.34%0.08%0.63%70.5%
Q1 202673$117.1M10.26%0.09%0.71%70.3%
Q4 202573$116.2M10.16%0.12%0.71%69.7%
Q3 202566$110.9M10.41%0.74%0.67%74.4%
Q2 202563$110.1M10.21%0.82%0.48%74.1%
Q1 202564$110.1M10.09%0.73%0.45%73.4%
Q4 202472$108.2M10.15%0.12%0.66%73.8%
Q3 202472$108.3M10.16%0.30%0.91%76.1%
Q2 202473$107.1M10.09%0.15%1.01%76.6%

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 ratio10.34%
34th
Problem loans0.08%
96th
Net charge-offs0.13%
80th
Return on assets0.63%
41st
Loans to deposits70.5%
60th
Uninsured deposits8.0%
29th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union Lewiston, ME51 out of 100, Below average$120.2M10.5%1.86%vs
Casco Federal Credit UnionCredit union Gorham, ME63 out of 100, Moderate$121.3M9.7%1.09%vs
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs
Katahdin Federal Credit UnionCredit union Millinocket, ME81 out of 100, Strong$110.9M16.8%1.02%vs
Winthrop Area Federal Credit UnionCredit union Winthrop, ME78 out of 100, Strong$106.7M11.4%0.10%vs
Trademark Federal Credit UnionCredit union Augusta, ME56 out of 100, Moderate$131.6M10.2%2.06%vs

Deposit insurance

Is my money safe at Brewer Federal Credit Union?

Yes. Brewer Federal Credit Union is a federally insured credit union (NCUA charter #13682). 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 8.0% of shares and deposits ($8.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.34%, 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

Brewer Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Brewer Federal Credit Union
Type
Federal credit union
NCUA charter #
13682
RSSD ID
147585
Primary regulator
NCUA
Established
1960
Headquarters
Po Box 189, Brewer, ME 04412
Employees
21

Quick answers

Brewer Federal Credit Union: common questions

Is Brewer Federal Credit Union NCUA insured?

Yes. Brewer Federal Credit Union is a federally insured credit union (NCUA charter #13682). 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 Brewer Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Brewer Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brewer

InstitutionScoreAssetsCapitalProblem loansCompare
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Franklin Savings BankBank Farmington, ME72 out of 100, Strong$786.9M18.8%1.36%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
Bangor Federal Credit UnionCredit union Bangor, ME67 out of 100, Moderate$293.2M8.7%0.57%vs
Katahdin Trust CompanyBank Patten, ME66 out of 100, Moderate$1.2B10.0%0.48%vs