TellerScore

Headquartered in Dexter, Maine, Maine Highlands Federal Credit Union is a federal credit union with $230.1M in total assets and $203.2M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1966.

Based on its Q2 2026 filing, Maine Highlands Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 41st. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 5% uninsured), and its lowest is loan quality (23/100; 2.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.93%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity91/100
Loans ÷ shares: 69.1% · 5.5% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.68%

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 10 points (66 → 56), mostly because the loan quality component weakened by 32 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202467
Q1 202563
Q2 202566
Q3 202558
Q4 202557
Q1 202661
Q2 202656
Net worth ratio
7.00%9.02%11.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.04%
Q3 202410.88%
Q4 202410.86%
Q1 202510.59%
Q2 202510.57%
Q3 202510.65%
Q4 202510.82%
Q1 202610.83%
Q2 202610.93%
Delinquent loans (60+ days)
1.15%1.73%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.15%
Q3 20241.38%
Q4 20241.36%
Q1 20251.53%
Q2 20251.34%
Q3 20252.21%
Q4 20252.24%
Q1 20261.58%
Q2 20262.32%
Return on assets
0.79%1.12%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.46%
Q3 20241.44%
Q4 20241.30%
Q1 20251.02%
Q2 20251.17%
Q3 20251.15%
Q4 20251.11%
Q1 20260.79%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$230.1M10.93%2.32%1.00%69.1%
Q1 202661$226.6M10.83%1.58%0.79%68.7%
Q4 202557$221.8M10.82%2.24%1.11%71.1%
Q3 202558$220.5M10.65%2.21%1.15%70.7%
Q2 202566$219.4M10.57%1.34%1.17%70.2%
Q1 202563$213.2M10.59%1.53%1.02%70.1%
Q4 202467$200.6M10.86%1.36%1.30%73.4%
Q3 202468$196.6M10.88%1.38%1.44%74.9%
Q2 202470$186.1M11.04%1.15%1.46%76.8%

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 ratio10.93%
43rd
Problem loans2.32%
4th
Net charge-offs0.19%
71st
Return on assets1.00%
66th
Loans to deposits69.1%
62nd
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio13.7%
6th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
New Dimensions Federal Credit UnionCredit union Waterville, ME46 out of 100, Below average$244.1M7.9%1.54%vs
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs
Lisbon Community Federal Credit UnionCredit union Lisbon, ME78 out of 100, Strong$209.7M11.5%0.23%vs
Truchoice Federal Credit UnionCredit union Portland, ME60 out of 100, Moderate$257.4M11.1%1.72%vs
Saco Valley Credit UnionCredit union Saco, ME71 out of 100, Strong$195.5M10.9%0.36%vs
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs

Deposit insurance

Is my money safe at Maine Highlands Federal Credit Union?

Yes. Maine Highlands Federal Credit Union is a federally insured credit union (NCUA charter #17398). 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 5.5% of shares and deposits ($11.2M) 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 10.93%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Maine Highlands Federal Credit Union lists 6 offices in 6 cities. Most locations:

  • Brownville, ME (1)
  • Canaan, ME (1)
  • Dexter, ME (1)
  • Dover Foxcroft, ME (1)
  • Greenville Junction, ME (1)
  • Guilford, ME (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Maine Highlands Federal Credit Union reported 85 home-loan applications under HMDA (LEI 549300ZY55MYW2FNSA48): 81 originated ($14,555,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA Traditional Credit Card Program—$0$100.0%

All Maine Highlands Federal Credit Union card terms

Identity & history

Profile

Legal name
Maine Highlands Federal Credit Union
Type
Federal credit union
NCUA charter #
17398
RSSD ID
559384
Primary regulator
NCUA
Established
1966
Headquarters
PO Box 233, Dexter, ME 04930
Employees
59

Quick answers

Maine Highlands Federal Credit Union: common questions

Is Maine Highlands Federal Credit Union NCUA insured?

Yes. Maine Highlands Federal Credit Union is a federally insured credit union (NCUA charter #17398). 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 Highlands Federal Credit Union's TellerScore?

56 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 Highlands Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dexter

InstitutionScoreAssetsCapitalProblem loansCompare
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Sebasticook Valley Federal Credit UnionCredit union Pittsfield, ME84 out of 100, Strong$186.2M15.4%0.92%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Franklin Savings BankBank Farmington, ME72 out of 100, Strong$786.9M18.8%1.36%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs