Central Maine Federal Credit Union is a federal credit union headquartered in Lewiston, Maine, in business for about 76 years. At the end of Q2 2026 it reported $145.5M in total assets and $124.1M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Central Maine Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 10th. Its strongest component is funding & liquidity (100/100; 37% loans-to-deposits, 9% uninsured), and its lowest is earnings (37/100; 0.41%).
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 12 points (93 → 81), mostly because the earnings component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 89 |
| Q4 2024 | 91 |
| Q1 2025 | 91 |
| Q2 2025 | 93 |
| Q3 2025 | 90 |
| Q4 2025 | 87 |
| Q1 2026 | 86 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.87% |
| Q3 2024 | 14.12% |
| Q4 2024 | 14.26% |
| Q1 2025 | 14.70% |
| Q2 2025 | 15.11% |
| Q3 2025 | 15.20% |
| Q4 2025 | 15.01% |
| Q1 2026 | 14.87% |
| Q2 2026 | 14.66% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.62% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.13% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $145.5M | 14.66% | 0.66% | 0.41% | 37.4% |
| Q1 2026 | 86 | $143.1M | 14.87% | 0.36% | 0.70% | 35.4% |
| Q4 2025 | 87 | $140.0M | 15.01% | 0.54% | 0.99% | 33.9% |
| Q3 2025 | 90 | $136.9M | 15.20% | 0.35% | 1.13% | 34.9% |
| Q2 2025 | 93 | $136.0M | 15.11% | 0.16% | 1.34% | 33.5% |
| Q1 2025 | 91 | $136.2M | 14.70% | 0.15% | 1.11% | 33.1% |
| Q4 2024 | 91 | $137.7M | 14.26% | 0.26% | 1.41% | 32.0% |
| Q3 2024 | 89 | $135.9M | 14.12% | 0.40% | 1.46% | 32.1% |
| Q2 2024 | 92 | $135.6M | 13.87% | 0.20% | 1.62% | 30.7% |
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).
Similar-size credit unions in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |
| K V Federal Credit UnionCredit union Augusta, ME | 84 out of 100, Strong | $139.6M | 12.4% | 0.13% | vs |
| Connected Credit UnionCredit union Augusta, ME | 72 out of 100, Strong | $133.9M | 11.1% | 0.47% | vs |
| Trademark Federal Credit UnionCredit union Augusta, ME | 56 out of 100, Moderate | $131.6M | 10.2% | 2.06% | vs |
| Lincoln Maine Federal Credit UnionCredit union Lincoln, ME | 78 out of 100, Strong | $162.8M | 12.1% | 1.07% | vs |
| Ksw Federal Credit UnionCredit union Waterville, ME | 85 out of 100, Very strong | $122.2M | 14.6% | 1.02% | vs |
Deposit insurance
Is my money safe at Central Maine Federal Credit Union?
Yes. Central Maine Federal Credit Union is a federally insured credit union (NCUA charter #6936). 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 9.2% of shares and deposits ($11.5M) 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 14.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Central Maine Federal Credit Union lists 1 office in 1 city. Most locations:
- Lewiston, ME (1)
Identity & history
Profile
- Legal name
- Central Maine Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6936
- RSSD ID
- 583884
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- P.O. Box 1746, Lewiston, ME 04240
- Employees
- 18
Quick answers
Central Maine Federal Credit Union: common questions
Is Central Maine Federal Credit Union NCUA insured?
Yes. Central Maine Federal Credit Union is a federally insured credit union (NCUA charter #6936). 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 Central Maine Federal Credit Union's TellerScore?
81 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 Central Maine Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lewiston
| 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 |
| Eastmill Federal Credit UnionCredit union East Millinocke, ME | 87 out of 100, Very strong | $79.6M | 18.6% | 0.00% | vs |
| Bath Savings InstitutionBank Bath, ME | 82 out of 100, Strong | $1.5B | 15.8% | 0.05% | vs |
| Norway Savings BankBank Norway, ME | 81 out of 100, Strong | $2.2B | 14.1% | 0.29% | vs |
| Kennebec Savings BankBank Augusta, ME | 79 out of 100, Strong | $1.9B | 14.0% | 0.46% | vs |