TellerScore

Headquartered in Lewiston, Maine, Maine Family Federal Credit Union is a federal credit union with $288.2M in total assets and $262.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.

Based on its Q2 2026 filing, Maine Family 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 22nd. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 3% uninsured), and its lowest is capital cushion (38/100; 8.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.79%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings44/100
Return on assets (annualized): 0.61%
Funding & liquidity100/100
Loans ÷ shares: 51.7% · 3.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.47%

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 2 points (70 → 68), mostly because the loan quality component weakened by 5 points.

TellerScore
676970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202467
Q1 202570
Q2 202570
Q3 202568
Q4 202569
Q1 202668
Q2 202668
Net worth ratio
7.00%7.94%8.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.80%
Q3 20248.88%
Q4 20248.83%
Q1 20258.63%
Q2 20258.65%
Q3 20258.66%
Q4 20258.66%
Q1 20268.71%
Q2 20268.79%
Delinquent loans (60+ days)
0.11%0.19%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.21%
Q4 20240.21%
Q1 20250.15%
Q2 20250.12%
Q3 20250.27%
Q4 20250.11%
Q1 20260.18%
Q2 20260.27%
Return on assets
0.38%0.61%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.47%
Q4 20240.44%
Q1 20250.84%
Q2 20250.70%
Q3 20250.71%
Q4 20250.67%
Q1 20260.62%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$288.2M8.79%0.27%0.61%51.7%
Q1 202668$285.7M8.71%0.18%0.62%49.9%
Q4 202569$282.3M8.66%0.11%0.67%49.0%
Q3 202568$278.2M8.66%0.27%0.71%48.3%
Q2 202570$272.5M8.65%0.12%0.70%46.4%
Q1 202570$268.8M8.63%0.15%0.84%45.8%
Q4 202467$256.2M8.83%0.21%0.44%48.2%
Q3 202468$252.9M8.88%0.21%0.47%48.5%
Q2 202467$250.5M8.80%0.12%0.38%48.5%

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 ratio8.79%
11th
Problem loans0.27%
84th
Net charge-offs0.17%
75th
Return on assets0.61%
39th
Loans to deposits51.7%
89th
Uninsured deposits3.1%
81st
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Bangor Federal Credit UnionCredit union Bangor, ME67 out of 100, Moderate$293.2M8.7%0.57%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs
Otis Federal Credit UnionCredit union Jay, ME80 out of 100, Strong$300.3M16.1%1.56%vs
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs
Truchoice Federal Credit UnionCredit union Portland, ME60 out of 100, Moderate$257.4M11.1%1.72%vs
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs

Deposit insurance

Is my money safe at Maine Family Federal Credit Union?

Yes. Maine Family Federal Credit Union is a federally insured credit union (NCUA charter #2644). 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 3.1% of shares and deposits ($8.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.79%, slightly 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

Maine Family Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Maine Family Federal Credit Union
Type
Federal credit union
NCUA charter #
2644
RSSD ID
811372
Primary regulator
NCUA
Established
1938
Headquarters
555 Sabattus St, Lewiston, ME 04240
Employees
44

Quick answers

Maine Family Federal Credit Union: common questions

Is Maine Family Federal Credit Union NCUA insured?

Yes. Maine Family Federal Credit Union is a federally insured credit union (NCUA charter #2644). 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 Maine Family 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 Maine Family 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
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%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
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs