TellerScore

Downeast Credit Union (NCUA charter #68563) is based in Baileyville, Maine. Its Q2 2026 call report shows $330.4M in total assets and $297.3M in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, Downeast Credit Union scores 54/100, which we describe as below average. That is higher than only 10% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 44th. Its strongest component is problem-loan coverage (80/100; 9.8%), and its lowest is capital cushion (38/100; 8.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.85%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity66/100
Loans ÷ shares: 94.2% · 7.8% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.77%

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 9 points (63 → 54), mostly because the loan quality component weakened by 19 points.

TellerScore
545963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202458
Q1 202562
Q2 202563
Q3 202562
Q4 202556
Q1 202656
Q2 202654
Net worth ratio
7.00%8.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.52%
Q3 20249.67%
Q4 20249.51%
Q1 20259.42%
Q2 20259.43%
Q3 20259.37%
Q4 20259.06%
Q1 20268.81%
Q2 20268.85%
Delinquent loans (60+ days)
0.29%0.63%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.45%
Q4 20240.48%
Q1 20250.38%
Q2 20250.40%
Q3 20250.49%
Q4 20250.97%
Q1 20260.80%
Q2 20260.95%
Return on assets
0.16%0.46%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.23%
Q4 20240.21%
Q1 20250.61%
Q2 20250.76%
Q3 20250.66%
Q4 20250.56%
Q1 20260.51%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$330.4M8.85%0.95%0.48%94.2%
Q1 202656$327.7M8.81%0.80%0.51%92.7%
Q4 202556$314.0M9.06%0.97%0.56%92.8%
Q3 202562$308.8M9.37%0.49%0.66%94.5%
Q2 202563$302.5M9.43%0.40%0.76%95.5%
Q1 202562$295.6M9.42%0.38%0.61%95.2%
Q4 202458$287.9M9.51%0.48%0.21%96.2%
Q3 202460$289.4M9.67%0.45%0.23%94.0%
Q2 202460$291.2M9.52%0.29%0.16%92.4%

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 ratio8.85%
11th
Problem loans0.95%
32nd
Net charge-offs0.31%
56th
Return on assets0.48%
29th
Loans to deposits94.2%
9th
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio9.8%
14th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Otis Federal Credit UnionCredit union Jay, ME80 out of 100, Strong$300.3M16.1%1.56%vs
Peopleschoice Credit UnionCredit union Biddeford, ME58 out of 100, Moderate$366.9M8.8%1.01%vs
Bangor Federal Credit UnionCredit union Bangor, ME67 out of 100, Moderate$293.2M8.7%0.57%vs
Oxford Federal Credit UnionCredit union Mexico, ME91 out of 100, Very strong$370.2M16.2%0.48%vs
Maine Family Federal Credit UnionCredit union Lewiston, ME68 out of 100, Moderate$288.2M8.8%0.27%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs

Deposit insurance

Is my money safe at Downeast Credit Union?

Yes. Downeast Credit Union is a federally insured credit union (NCUA charter #68563). 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 7.8% of shares and deposits ($23.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.85%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Downeast Credit Union lists 8 offices in 8 cities. Most locations:

  • Baileyville, ME (1)
  • Belfast, ME (1)
  • Brewer, ME (1)
  • Calais, ME (1)
  • Machias, ME (1)
  • Richmond, ME (1)
  • Topsham, ME (1)
  • Unity, ME (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Downeast Credit Union reported 40 home-loan applications under HMDA (LEI 254900IHSZUFLA4J1Q14): 25 originated ($3,825,000 total), 13 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.2%, 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
Downeast Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68563
RSSD ID
474478
Primary regulator
State + NCUA
Established
1941
Headquarters
PO Box 130, 23 Third Ave, Baileyville, ME 04694
Employees
102

Quick answers

Downeast Credit Union: common questions

Is Downeast Credit Union NCUA insured?

Yes. Downeast Credit Union is a federally insured credit union (NCUA charter #68563). 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 Downeast Credit Union's TellerScore?

54 out of 100 (Below average), 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 Downeast Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baileyville

InstitutionScoreAssetsCapitalProblem loansCompare
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
First National BankBank Damariscotta, ME64 out of 100, Moderate$3.2B9.2%0.75%vs
Bangor Savings BankBank Bangor, ME55 out of 100, Moderate$7.7B7.8%0.47%vs