TellerScore

Headquartered in Lewiston, Maine, Great Falls Regional Federal Credit Union is a federal credit union with $66.0M in total assets and $57.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, Great Falls Regional Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 48 credit unions headquartered in Maine, it ranks 16th. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 4% uninsured), and its lowest is earnings (37/100; 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.25%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity100/100
Loans ÷ shares: 42.3% · 4.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.81%

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 7 points (85 → 78), mostly because the earnings component weakened by 47 points.

TellerScore
657788Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202477
Q4 202484
Q1 202583
Q2 202585
Q3 202588
Q4 202582
Q1 202674
Q2 202678
Net worth ratio
7.00%10.16%13.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.90%
Q3 202412.30%
Q4 202412.37%
Q1 202512.48%
Q2 202512.65%
Q3 202513.33%
Q4 202513.30%
Q1 202613.16%
Q2 202613.25%
Delinquent loans (60+ days)
0.27%0.61%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.82%
Q4 20240.27%
Q1 20250.75%
Q2 20250.48%
Q3 20250.58%
Q4 20250.96%
Q1 20260.78%
Q2 20260.46%
Return on assets
0.33%1.09%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20241.08%
Q4 20241.26%
Q1 20251.65%
Q2 20251.60%
Q3 20251.85%
Q4 20251.49%
Q1 20260.33%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$66.0M13.25%0.46%0.42%42.3%
Q1 202674$65.8M13.16%0.78%0.33%40.2%
Q4 202582$64.7M13.30%0.96%1.49%40.1%
Q3 202588$64.0M13.33%0.58%1.85%40.2%
Q2 202585$64.4M12.65%0.48%1.60%39.1%
Q1 202583$63.3M12.48%0.75%1.65%39.3%
Q4 202484$61.7M12.37%0.27%1.26%40.6%
Q3 202477$59.7M12.30%0.82%1.08%40.4%
Q2 202465$60.9M8.90%0.85%0.81%37.6%

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).

Capital ratio13.25%
41st
Problem loans0.46%
60th
Net charge-offs0.06%
61st
Return on assets0.42%
38th
Loans to deposits42.3%
75th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Sabattus Regional Credit UnionCredit union Sabattus, ME70 out of 100, Strong$85.2M10.3%0.76%vs
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Milestones Federal Credit UnionCredit union Lewiston, ME62 out of 100, Moderate$35.1M10.9%0.76%vs
Maine Solutions Federal Credit UnionCredit union South Portland, ME61 out of 100, Moderate$20.9M10.0%0.88%vs

Deposit insurance

Is my money safe at Great Falls Regional Federal Credit Union?

Yes. Great Falls Regional Federal Credit Union is a federally insured credit union (NCUA charter #10221). 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 4.1% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.25%, well 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

Great Falls Regional Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Great Falls Regional Federal Credit Union
Type
Federal credit union
NCUA charter #
10221
RSSD ID
814186
Primary regulator
NCUA
Established
1955
Headquarters
34 Bates St, Lewiston, ME 04240
Employees
21

Quick answers

Great Falls Regional Federal Credit Union: common questions

Is Great Falls Regional Federal Credit Union NCUA insured?

Yes. Great Falls Regional Federal Credit Union is a federally insured credit union (NCUA charter #10221). 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 Great Falls Regional Federal Credit Union's TellerScore?

78 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 Great Falls Regional Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lewiston

InstitutionScoreAssetsCapitalProblem loansCompare
Oxford Federal Credit UnionCredit union Mexico, ME91 out of 100, Very strong$370.2M16.2%0.48%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs