Capital Area Federal Credit Union (NCUA charter #9919) is based in Augusta, Maine. Its Q2 2026 call report shows $71.4M in total assets and $57.7M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Capital Area Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 48 credit unions headquartered in Maine, it ranks 5th. Its strongest component is capital cushion (100/100; 17.65%), and its lowest is earnings (73/100; 1.33%).
TellerScore · Q2 2026
Scorecard
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 (90 → 86), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 93 |
| Q4 2024 | 92 |
| Q1 2025 | 89 |
| Q2 2025 | 90 |
| Q3 2025 | 90 |
| Q4 2025 | 91 |
| Q1 2026 | 90 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.40% |
| Q3 2024 | 16.80% |
| Q4 2024 | 16.68% |
| Q1 2025 | 16.72% |
| Q2 2025 | 16.89% |
| Q3 2025 | 17.28% |
| Q4 2025 | 17.29% |
| Q1 2026 | 17.25% |
| Q2 2026 | 17.65% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.89% |
| Q3 2024 | 1.99% |
| Q4 2024 | 1.83% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $71.4M | 17.65% | 0.59% | 1.33% | 84.6% |
| Q1 2026 | 90 | $71.7M | 17.25% | 0.10% | 1.31% | 85.5% |
| Q4 2025 | 91 | $70.2M | 17.29% | 0.01% | 1.50% | 90.9% |
| Q3 2025 | 90 | $68.4M | 17.28% | 0.00% | 1.43% | 95.1% |
| Q2 2025 | 90 | $68.7M | 16.89% | 0.07% | 1.48% | 95.7% |
| Q1 2025 | 89 | $67.9M | 16.72% | 0.21% | 1.52% | 95.1% |
| Q4 2024 | 92 | $66.5M | 16.68% | 0.03% | 1.83% | 98.9% |
| Q3 2024 | 93 | $64.6M | 16.80% | 0.00% | 1.99% | 103.2% |
| Q2 2024 | 88 | $64.0M | 16.40% | 0.45% | 1.89% | 102.5% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great Falls Regional Federal Credit UnionCredit union Lewiston, ME | 78 out of 100, Strong | $66.0M | 13.3% | 0.46% | vs |
| Eastmill Federal Credit UnionCredit union East Millinocke, ME | 87 out of 100, Very strong | $79.6M | 18.6% | 0.00% | vs |
| Sabattus Regional Credit UnionCredit union Sabattus, ME | 70 out of 100, Strong | $85.2M | 10.3% | 0.76% | vs |
| Coast Line Credit UnionCredit union South Portland, ME | 94 out of 100, Very strong | $89.2M | 19.1% | 0.22% | vs |
| Milestones Federal Credit UnionCredit union Lewiston, ME | 62 out of 100, Moderate | $35.1M | 10.9% | 0.76% | vs |
| Maine Solutions Federal Credit UnionCredit union South Portland, ME | 61 out of 100, Moderate | $20.9M | 10.0% | 0.88% | vs |
Deposit insurance
Is my money safe at Capital Area Federal Credit Union?
Yes. Capital Area Federal Credit Union is a federally insured credit union (NCUA charter #9919). 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 1.9% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 17.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Capital Area Federal Credit Union lists 3 offices in 2 cities. Most locations:
- Westbrook, ME (2)
- Augusta, ME (1)
Identity & history
Profile
- Legal name
- Capital Area Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9919
- RSSD ID
- 925381
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 2010 N Belfast ave, Augusta, ME 04330
- Employees
- 15
Quick answers
Capital Area Federal Credit Union: common questions
Is Capital Area Federal Credit Union NCUA insured?
Yes. Capital Area Federal Credit Union is a federally insured credit union (NCUA charter #9919). 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 Capital Area Federal Credit Union's TellerScore?
86 out of 100 (Very 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 Capital Area Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Augusta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gardiner Federal Credit UnionCredit union Gardiner, ME | 96 out of 100, Very strong | $100.7M | 15.9% | 0.12% | vs |
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| Ksw Federal Credit UnionCredit union Waterville, ME | 85 out of 100, Very strong | $122.2M | 14.6% | 1.02% | vs |
| K V Federal Credit UnionCredit union Augusta, ME | 84 out of 100, Strong | $139.6M | 12.4% | 0.13% | vs |
| Kennebec Savings BankBank Augusta, ME | 79 out of 100, Strong | $1.9B | 14.0% | 0.46% | vs |
| Northeast BankBank Portland, ME | 78 out of 100, Strong | $5.2B | 11.9% | 0.55% | vs |