TellerScore

Cumberland County Federal Credit Union is a federal credit union headquartered in Falmouth, Maine, in business for about 72 years. At the end of Q2 2026 it reported $494.0M in total assets and $440.9M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Cumberland County Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 21st. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 9% uninsured), and its lowest is capital cushion (51/100; 10.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity97/100
Loans ÷ shares: 63.3% · 9.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.03%

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 4 points (64 → 68), mostly because the loan quality component improved by 7 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202462
Q1 202568
Q2 202564
Q3 202567
Q4 202562
Q1 202669
Q2 202668
Net worth ratio
7.00%8.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.36%
Q4 20249.42%
Q1 20259.47%
Q2 20259.60%
Q3 20259.65%
Q4 20259.88%
Q1 20269.96%
Q2 202610.10%
Delinquent loans (60+ days)
0.78%1.12%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.15%
Q3 20241.42%
Q4 20241.17%
Q1 20250.78%
Q2 20251.11%
Q3 20250.88%
Q4 20251.46%
Q1 20260.88%
Q2 20260.90%
Return on assets
0.65%0.86%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.71%
Q4 20240.77%
Q1 20251.02%
Q2 20250.93%
Q3 20250.92%
Q4 20250.97%
Q1 20261.07%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$494.0M10.10%0.90%1.01%63.3%
Q1 202669$488.5M9.96%0.88%1.07%61.6%
Q4 202562$479.5M9.88%1.46%0.97%62.7%
Q3 202567$476.7M9.65%0.88%0.92%63.1%
Q2 202564$467.5M9.60%1.11%0.93%62.4%
Q1 202568$463.4M9.47%0.78%1.02%61.1%
Q4 202462$453.5M9.42%1.17%0.77%61.6%
Q3 202459$444.5M9.36%1.42%0.71%62.5%
Q2 202461$437.0M9.30%1.15%0.65%63.2%

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 ratio10.10%
30th
Problem loans0.90%
36th
Net charge-offs0.14%
78th
Return on assets1.01%
67th
Loans to deposits63.3%
73rd
Uninsured deposits9.2%
21st
Loan-loss reserves0.00%
50th
Texas ratio5.0%
39th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Dirigo Federal Credit UnionCredit union Lewiston, ME59 out of 100, Moderate$498.2M10.1%0.93%vs
The County Federal Credit UnionCredit union Presque Isle, ME66 out of 100, Moderate$529.8M10.7%0.58%vs
University Credit UnionCredit union Orono, ME60 out of 100, Moderate$538.5M9.4%0.61%vs
Cport Credit UnionCredit union Portland, ME63 out of 100, Moderate$434.9M10.7%0.82%vs
Acadia Federal Credit UnionCredit union Fort Kent, ME60 out of 100, Moderate$412.8M11.1%1.12%vs
Ancorum Credit UnionCredit union Bath, ME53 out of 100, Below average$401.8M9.5%1.60%vs

Deposit insurance

Is my money safe at Cumberland County Federal Credit Union?

Yes. Cumberland County Federal Credit Union is a federally insured credit union (NCUA charter #9500). 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 ($40.6M) 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 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Cumberland County Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cumberland County Federal Credit Union
Type
Federal credit union
NCUA charter #
9500
RSSD ID
50180
Primary regulator
NCUA
Established
1954
Headquarters
101 Gray Rd, Falmouth, ME 04105
Employees
64

Quick answers

Cumberland County Federal Credit Union: common questions

Is Cumberland County Federal Credit Union NCUA insured?

Yes. Cumberland County Federal Credit Union is a federally insured credit union (NCUA charter #9500). 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 Cumberland County Federal Credit Union's TellerScore?

68 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 Cumberland County Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Falmouth

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs